{"metadata":{"transaction_key":"deprecated","request_id":"019e66cc-c349-78c3-a3e0-ea1778b2ed9d","sha256":"5e84f9d9d56027b36be172bb33902994c764e907510113e86b6fa60aac34bd5d","created":"2026-05-27T00:19:18.762Z","duration":769.17596,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":2992,"output_tokens":145},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3399,"output_tokens":3406},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3399,"output_tokens":272}},"results":{"channels":[{"alternatives":[{"transcript":"Good morning, Ryan. It's Tommy here, senior adviser from. How are you going? Living the dream, I hope. Mate, I'm just giving you a call to go through your annual review if you still have a bit of time. Perfect. Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay. Cool. So we've got the call is recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Mate, could you please confirm your date of birth and address for me? Thank you so much for that. I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety. Will you be able to look on to the email pack with me today, or should I just walk you through the documents? Yep. Yeah. That's no worries at all. I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together. Is that alright? Perfect. So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well. No worries at all. Right? Yep. Perfect. Now is there anything in particular that you want me to touch on this year? Yep. Absolutely. And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return. You're not trying to go to your high risk with it. Does that sound about right? Perfect. So, yeah. So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk, but a couple of pegs below, And you've got 80 percent, you know, shares property gold. So the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year. Perfect. So you were sitting at, once we consolidated everything, a 176,000. You're at a hundred and ninety three four nine six. I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there. We've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year. So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense. Yeah. Exactly right. So it's like Yes. I had a little bit of look see at yep. And then from there, the hub. That's right. Yep. Yeah. Yeah. So it's a pretty simple equation for you. It's just get better than what you were getting. Yeah. It's like you pay the fees to get a result. Yep. Yeah. And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's what gets you the outcome at the end of the day. One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over five years by about 4%. So lower risk, higher returns, lower investment fees. Yeah. Yep. You're pretty well in the middle, to be honest, mate. Your average balance is a 180 across the firm. You're just shy of 200, and you've built your base up now where once you build your first 200, that's where you can go from the 200 to the mill. But at some point, I've got to obviously have that conversation with you about risk much, much further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off. But you know what I mean? One of the things I wanna broach with you as well, if you don't mind, portfolio is looking really good. What Carl put you into has been our best performing growth option and especially long term as well. If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on. Would that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side? Yeah. Yep. It's more the signing of the statement of advice. So we can send you the document, but you need to go, okay. This to that makes sense in my mind. Tick. Go for it. I mean, still can. Still can, but pros and cons is handy. Yeah. Yep. Absolutely. Awesome. And, look, my job is pretty simple. It's get you to the retirement goal as smoothly as possible with the best chance possible in a way that's comfortable for you. You're not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you or the style of investments. Yep. Cool. At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise. There is a few things coming down the line that we're keeping an eye on, which is why I'm kind of thinking of that restructure in twelve months' time, which may get us a few switches a little bit quicker for you. Outside of that, can I just quickly check-in terms of circumstances? You're still earning about a $100, same employer. Yep. Three children, Amanda, family changes, Home, car, caravan. Fantastic. And did you actually put a will in place? It says that we had a note that you did. 20 40. Yep. Okay. So that's still there, but it might need a bit of an update. K. Perfect. Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney? So if you're in hospital, you can't ask. Amanda can talk to the doctors, access the bank accounts. Yep. Perfect. Awesome. The insurance policy that got kind of cleaned up, so a mill of life and disability insurance. You've got your income protection, which obviously your income hasn't changed. Thirty day waiting period, five year benefit. If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit easier for you. It's under 2 grands once the 15% rebate comes off of it. Basically, if you're happy that your circumstances haven't changed, I'll keep an eye on it. If the prices start skyrocketing, we can shop around, trim it down, whatever you need. Perfect. The only thing can I send you a bit of an updated beneficiary form to get Amanda listed on the super? Perfect. You got the how to do Yep. Well, are you okay to print it out, or would you want me to post it to you? Sensational. Easy done. Mate, any questions for me so far? Alright. I'll leave that Odoo sign pack with you. Again, fees are the same, 1.6 5%. Happy at 600,000 happy days. Outside of that, I'll send that beneficiary forms through to you today as well in a separate email. Awesome. Catch you in a little bit. Thank you. Bye.","confidence":0.99902344,"words":[{"word":"good","start":1.5999999,"end":1.92,"confidence":1.0,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3933331072330475},{"word":"morning","start":1.92,"end":2.24,"confidence":0.9970703,"punctuated_word":"morning,","sentiment":"positive","sentiment_score":0.40115562081336975},{"word":"ryan","start":2.24,"end":2.48,"confidence":0.9980469,"punctuated_word":"Ryan.","sentiment":"positive","sentiment_score":0.35391950607299805},{"word":"it's","start":2.48,"end":2.8,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.401249498128891},{"word":"tommy","start":2.8,"end":3.12,"confidence":0.984375,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.24330730736255649},{"word":"here","start":3.12,"end":3.36,"confidence":0.986084,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.27923017740249634},{"word":"senior","start":3.36,"end":3.6799998,"confidence":0.9902344,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.22804634273052216},{"word":"adviser","start":3.6799998,"end":4.0,"confidence":0.9194336,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.2670671045780182},{"word":"from","start":4.0,"end":4.5,"confidence":0.6798096,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.2663828730583191},{"word":"how","start":4.64,"end":4.88,"confidence":0.9951172,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.35559704899787903},{"word":"are","start":4.88,"end":4.92,"confidence":0.75,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.31236252188682556},{"word":"you","start":4.92,"end":4.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2835201025009155},{"word":"going","start":4.96,"end":5.46,"confidence":0.98339844,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.31533104181289673},{"word":"living","start":8.24,"end":8.559999,"confidence":0.9951172,"punctuated_word":"Living","sentiment":"positive","sentiment_score":0.5995520949363708},{"word":"the","start":8.559999,"end":8.639999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6100518703460693},{"word":"dream","start":8.639999,"end":8.96,"confidence":0.9904785,"punctuated_word":"dream,","sentiment":"positive","sentiment_score":0.6086819171905518},{"word":"i","start":8.96,"end":9.04,"confidence":0.9951172,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5616956353187561},{"word":"hope","start":9.04,"end":9.54,"confidence":0.9399414,"punctuated_word":"hope.","sentiment":"positive","sentiment_score":0.580679178237915},{"word":"mate","start":12.815001,"end":13.055,"confidence":0.6624756,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.04253944754600525},{"word":"i'm","start":13.055,"end":13.135,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04805777594447136},{"word":"just","start":13.135,"end":13.295,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04149613901972771},{"word":"giving","start":13.295,"end":13.535,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.03172377496957779},{"word":"you","start":13.535,"end":13.615,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03128889948129654},{"word":"a","start":13.615,"end":13.695001,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049456436187028885},{"word":"call","start":13.695001,"end":13.935,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.05998680740594864},{"word":"to","start":13.935,"end":14.095,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06036626175045967},{"word":"go","start":14.095,"end":14.335,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05730358883738518},{"word":"through","start":14.335,"end":14.655001,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06392212212085724},{"word":"your","start":14.655001,"end":14.895,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07011694461107254},{"word":"annual","start":14.895,"end":15.215,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.066820427775383},{"word":"review","start":15.215,"end":15.535,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.07001504302024841},{"word":"if","start":15.535,"end":15.695,"confidence":0.8852539,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03544433042407036},{"word":"you","start":15.695,"end":15.775001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022279102355241776},{"word":"still","start":15.775001,"end":15.935,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.011677809059619904},{"word":"have","start":15.935,"end":16.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01358802616596222},{"word":"a","start":16.055,"end":16.175,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029562396928668026},{"word":"bit","start":16.175,"end":16.335,"confidence":0.99316406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.028580449521541595},{"word":"of","start":16.335,"end":16.495,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028079040348529816},{"word":"time","start":16.495,"end":16.995,"confidence":0.9880371,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04668745771050453},{"word":"perfect","start":19.375,"end":19.875,"confidence":0.98657227,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5214199423789978},{"word":"now","start":19.935,"end":20.255001,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25515761971473694},{"word":"what","start":20.255001,"end":20.415,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2104087769985199},{"word":"i'm","start":20.415,"end":20.575,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2378043383359909},{"word":"just","start":20.575,"end":20.735,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23034219443798065},{"word":"gonna","start":20.735,"end":20.975,"confidence":0.94140625,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17636054754257202},{"word":"do","start":20.975,"end":21.215,"confidence":0.9506836,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.22287452220916748},{"word":"i've","start":21.215,"end":21.375,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2180861234664917},{"word":"got","start":21.375,"end":21.535,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18035028874874115},{"word":"a","start":21.535,"end":21.615,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19838890433311465},{"word":"bit","start":21.615,"end":21.775002,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.197664812207222},{"word":"of","start":21.775002,"end":21.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26776421070098877},{"word":"an","start":21.855,"end":22.095001,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.22229549288749695},{"word":"email","start":22.095001,"end":22.415,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1797134131193161},{"word":"pack","start":22.415,"end":22.654999,"confidence":0.93408203,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.17289377748966217},{"word":"to","start":22.654999,"end":22.815,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17846465110778809},{"word":"send","start":22.815,"end":23.055,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.15016473829746246},{"word":"out","start":23.055,"end":23.295,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1665566861629486},{"word":"to","start":23.295,"end":23.375,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2028380036354065},{"word":"you","start":23.375,"end":23.875,"confidence":0.93896484,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.18139007687568665},{"word":"and","start":23.935001,"end":24.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17771905660629272},{"word":"i'm","start":24.415,"end":24.575,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17451266944408417},{"word":"just","start":24.575,"end":24.735,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17008934915065765},{"word":"gonna","start":24.735,"end":24.975,"confidence":0.9604492,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.16922715306282043},{"word":"do","start":24.975,"end":25.135,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18771205842494965},{"word":"a","start":25.135,"end":25.215,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.233166441321373},{"word":"quick","start":25.215,"end":25.535,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.2169123739004135},{"word":"security","start":25.535,"end":26.015,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.1166096329689026},{"word":"check","start":26.015,"end":26.255001,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.19731219112873075},{"word":"with","start":26.255001,"end":26.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1649692803621292},{"word":"you","start":26.335,"end":26.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1940704882144928},{"word":"if","start":26.575,"end":26.735,"confidence":0.61035156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17533288896083832},{"word":"that's","start":26.735,"end":26.975,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12173525989055634},{"word":"okay","start":26.975,"end":27.475,"confidence":0.94750977,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.14141057431697843},{"word":"cool","start":29.4,"end":29.9,"confidence":0.86499023,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.24805378913879397},{"word":"so","start":29.96,"end":30.279999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11720780283212662},{"word":"we've","start":30.279999,"end":30.68,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.14041149616241455},{"word":"got","start":30.68,"end":31.08,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15976200997829437},{"word":"the","start":31.16,"end":31.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12372661381959917},{"word":"call","start":31.32,"end":31.56,"confidence":0.60253906,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.10461563616991044},{"word":"is","start":31.56,"end":31.72,"confidence":0.52734375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.079203762114048},{"word":"recorded","start":31.72,"end":32.12,"confidence":0.9980469,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.10716153681278227},{"word":"for","start":32.12,"end":32.28,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0827382355928421},{"word":"training","start":32.28,"end":32.6,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.1002109795808792},{"word":"and","start":32.6,"end":32.84,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1003069132566452},{"word":"quality","start":32.84,"end":33.239998,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.07944925129413605},{"word":"purposes","start":33.239998,"end":33.739998,"confidence":0.9995117,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.11157181859016418},{"word":"i'm","start":34.04,"end":34.28,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07470574229955673},{"word":"registered","start":34.28,"end":34.6,"confidence":0.9951172,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.07195733487606049},{"word":"with","start":34.6,"end":34.84,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08585727214813232},{"word":"asica's","start":34.84,"end":35.34,"confidence":0.576416,"punctuated_word":"Asica's","sentiment":"neutral","sentiment_score":0.13431578874588013},{"word":"adviser","start":35.399998,"end":35.8,"confidence":0.7919922,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.09046778827905656},{"word":"1273105","start":35.8,"end":37.559998,"confidence":0.969587,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.1213204488158226},{"word":"mate","start":37.559998,"end":37.8,"confidence":0.7758789,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.05007471144199371},{"word":"could","start":37.8,"end":37.96,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05566900223493576},{"word":"you","start":37.96,"end":38.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04605710506439209},{"word":"please","start":38.12,"end":38.44,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.04461304843425751},{"word":"confirm","start":38.44,"end":38.84,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.05742606520652771},{"word":"your","start":38.84,"end":39.16,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03367054834961891},{"word":"date","start":39.16,"end":39.32,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05294519662857056},{"word":"of","start":39.32,"end":39.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.050695110112428665},{"word":"birth","start":39.4,"end":39.64,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.05614009127020836},{"word":"and","start":39.64,"end":39.8,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05450312793254852},{"word":"address","start":39.8,"end":40.12,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.04615510255098343},{"word":"for","start":40.12,"end":40.28,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.061839159578084946},{"word":"me","start":40.28,"end":40.605,"confidence":0.9975586,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.049661315977573395},{"word":"thank","start":46.765,"end":47.085,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5607742071151733},{"word":"you","start":47.085,"end":47.325,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6547382473945618},{"word":"so","start":47.325,"end":47.485,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6357623934745789},{"word":"much","start":47.485,"end":47.725,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6710025072097778},{"word":"for","start":47.725,"end":47.885,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6475590467453003},{"word":"that","start":47.885,"end":48.385,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6129988431930542},{"word":"i","start":48.524998,"end":48.845,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4065396785736084},{"word":"have","start":48.845,"end":49.165,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.33931371569633484},{"word":"your","start":49.165,"end":49.485,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2744247615337372},{"word":"email","start":49.485,"end":49.805,"confidence":1.0,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.3440163731575012},{"word":"address","start":49.805,"end":50.204998,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.2609092593193054},{"word":"with","start":50.204998,"end":50.445,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2772713005542755},{"word":"the","start":50.445,"end":50.684998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23925524950027463},{"word":"the","start":50.684998,"end":50.765,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2394673079252243},{"word":"gmail","start":50.765,"end":51.245,"confidence":0.9902344,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.2774800956249237},{"word":"listed","start":51.245,"end":51.645,"confidence":0.8376465,"punctuated_word":"listed,","sentiment":"neutral","sentiment_score":0.24404340982437137},{"word":"ryan","start":51.645,"end":51.885,"confidence":0.8671875,"punctuated_word":"Ryan","sentiment":"neutral","sentiment_score":0.28941628336906433},{"word":"dot","start":51.885,"end":52.204998,"confidence":0.9902344,"punctuated_word":"dot","sentiment":"neutral","sentiment_score":0.3179568648338318},{"word":"blum","start":52.204998,"end":52.684998,"confidence":0.6062012,"punctuated_word":"Blum","sentiment":"positive","sentiment_score":0.33880966901779175},{"word":"nineteen","start":52.684998,"end":53.165,"confidence":0.9790039,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.2669338285923004},{"word":"ninety","start":53.165,"end":53.665,"confidence":0.9995117,"punctuated_word":"ninety.","sentiment":"neutral","sentiment_score":0.24010874330997467},{"word":"will","start":54.11,"end":54.27,"confidence":0.9902344,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.1443670392036438},{"word":"you","start":54.27,"end":54.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1888175755739212},{"word":"be","start":54.43,"end":54.51,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17171095311641693},{"word":"able","start":54.51,"end":54.75,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.16971860826015472},{"word":"to","start":54.75,"end":54.829998,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1452883780002594},{"word":"look","start":54.829998,"end":55.149998,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1459517925977707},{"word":"on","start":55.149998,"end":55.309998,"confidence":0.51416016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12865875661373138},{"word":"to","start":55.309998,"end":55.789997,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17901872098445892},{"word":"the","start":55.789997,"end":56.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2139846384525299},{"word":"email","start":56.03,"end":56.35,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1565937101840973},{"word":"pack","start":56.35,"end":56.67,"confidence":0.9980469,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.13800038397312164},{"word":"with","start":56.67,"end":56.829998,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1993088126182556},{"word":"me","start":56.829998,"end":57.07,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.26288679242134094},{"word":"today","start":57.07,"end":57.55,"confidence":0.94628906,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.1627262979745865},{"word":"or","start":57.55,"end":57.71,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12829872965812683},{"word":"should","start":57.71,"end":57.949997,"confidence":0.703125,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.11617158353328703},{"word":"i","start":57.949997,"end":58.03,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14615531265735626},{"word":"just","start":58.03,"end":58.19,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13119573891162872},{"word":"walk","start":58.19,"end":58.35,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.13925831019878387},{"word":"you","start":58.35,"end":58.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14247769117355347},{"word":"through","start":58.51,"end":58.67,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11733892560005188},{"word":"the","start":58.67,"end":58.829998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1118508130311966},{"word":"documents","start":58.829998,"end":59.329998,"confidence":0.99902344,"punctuated_word":"documents?","sentiment":"neutral","sentiment_score":0.08360879123210907},{"word":"yep","start":63.149998,"end":63.649998,"confidence":0.8276367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06527362763881683},{"word":"yeah","start":66.604996,"end":66.845,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.139704167842865},{"word":"that's","start":66.845,"end":67.244995,"confidence":0.98583984,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18439660966396332},{"word":"no","start":67.244995,"end":67.485,"confidence":0.96777344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2136947959661484},{"word":"worries","start":67.485,"end":67.725,"confidence":1.0,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.23142486810684204},{"word":"at","start":67.725,"end":67.884995,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25430160760879517},{"word":"all","start":67.884995,"end":68.125,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.3104095160961151},{"word":"i'll","start":68.125,"end":68.445,"confidence":0.99560547,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2695389986038208},{"word":"i'll","start":68.445,"end":68.604996,"confidence":0.89282227,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2258608192205429},{"word":"kind","start":68.604996,"end":68.765,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2515459358692169},{"word":"of","start":68.765,"end":69.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22375762462615967},{"word":"just","start":69.005,"end":69.244995,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23376686871051788},{"word":"start","start":69.244995,"end":69.405,"confidence":1.0,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.22530677914619449},{"word":"off","start":69.405,"end":69.645,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.20267808437347412},{"word":"with","start":69.645,"end":69.805,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2020818591117859},{"word":"a","start":69.805,"end":69.884995,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22157473862171173},{"word":"bit","start":69.884995,"end":70.045,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20920857787132263},{"word":"of","start":70.045,"end":70.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24854008853435516},{"word":"an","start":70.125,"end":70.205,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.21677254140377045},{"word":"update","start":70.205,"end":70.525,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1471581608057022},{"word":"on","start":70.525,"end":70.604996,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13079734146595},{"word":"the","start":70.604996,"end":70.845,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13534685969352722},{"word":"circumstances","start":70.845,"end":71.345,"confidence":1.0,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.1641528308391571},{"word":"and","start":72.045,"end":72.445,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.177229642868042},{"word":"a","start":72.445,"end":72.525,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17768733203411102},{"word":"couple","start":72.525,"end":72.765,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1490553319454193},{"word":"of","start":72.765,"end":72.924995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18663398921489716},{"word":"sort","start":72.924995,"end":73.165,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15531864762306213},{"word":"of","start":73.165,"end":73.244995,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1763785183429718},{"word":"housekeeping","start":73.244995,"end":73.725,"confidence":1.0,"punctuated_word":"housekeeping","sentiment":"neutral","sentiment_score":0.16828785836696625},{"word":"items","start":73.725,"end":74.045,"confidence":0.95874023,"punctuated_word":"items,","sentiment":"neutral","sentiment_score":0.1880132406949997},{"word":"and","start":74.045,"end":74.125,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2025357484817505},{"word":"then","start":74.125,"end":74.284996,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19553694128990173},{"word":"we'll","start":74.284996,"end":74.524994,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1964413225650787},{"word":"dive","start":74.524994,"end":74.685,"confidence":1.0,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":0.17836993932724},{"word":"into","start":74.685,"end":75.005,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15002484619617462},{"word":"the","start":75.005,"end":75.085,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19853730499744415},{"word":"super","start":75.085,"end":75.405,"confidence":0.9550781,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22428718209266665},{"word":"together","start":75.405,"end":75.645,"confidence":0.99902344,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.16138629615306854},{"word":"is","start":75.645,"end":75.805,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.12958595156669617},{"word":"that","start":75.805,"end":75.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17631182074546814},{"word":"alright","start":75.965,"end":76.465,"confidence":0.98217773,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":0.1254633069038391},{"word":"perfect","start":78.54,"end":78.78,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.543215811252594},{"word":"so","start":78.78,"end":79.02,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3452107012271881},{"word":"just","start":79.02,"end":79.1,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3496286869049072},{"word":"to","start":79.1,"end":79.18,"confidence":0.91748047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3013124465942383},{"word":"let","start":79.18,"end":79.259995,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.31210988759994507},{"word":"you","start":79.259995,"end":79.34,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30364301800727844},{"word":"know","start":79.34,"end":79.5,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.3290606737136841},{"word":"what's","start":79.5,"end":79.74,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.26866060495376587},{"word":"on","start":79.74,"end":79.899994,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2900805175304413},{"word":"its","start":79.899994,"end":80.06,"confidence":0.99609375,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.2885899245738983},{"word":"way","start":80.06,"end":80.299995,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.31938865780830383},{"word":"to","start":80.299995,"end":80.38,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31222283840179443},{"word":"you","start":80.38,"end":80.54,"confidence":0.9367676,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2882607579231262},{"word":"we've","start":80.54,"end":80.939995,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2630457580089569},{"word":"got","start":80.939995,"end":81.34,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.29310211539268494},{"word":"your","start":81.34,"end":81.579994,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2794543206691742},{"word":"updated","start":81.579994,"end":81.979996,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2535380423069},{"word":"performance","start":81.979996,"end":82.479996,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.21227265894412992},{"word":"report","start":82.54,"end":82.86,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.2543550133705139},{"word":"with","start":82.86,"end":83.02,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23966039717197415},{"word":"the","start":83.02,"end":83.18,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22424975037574768},{"word":"hub","start":83.18,"end":83.42,"confidence":0.79541016,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.21751844882965088},{"word":"twenty","start":83.42,"end":83.74,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2458341419696808},{"word":"four","start":83.74,"end":84.24,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.23394325375556943},{"word":"from","start":84.299995,"end":84.619995,"confidence":0.9921875,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2204911857843399},{"word":"the","start":84.619995,"end":84.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26386216282844543},{"word":"switchover","start":84.78,"end":85.259995,"confidence":0.7548828,"punctuated_word":"switchover","sentiment":"neutral","sentiment_score":0.2371748238801956},{"word":"that","start":85.259995,"end":85.579994,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.277169793844223},{"word":"kyle","start":85.579994,"end":85.82,"confidence":0.9970703,"punctuated_word":"Kyle","sentiment":"neutral","sentiment_score":0.2216960042715073},{"word":"did","start":85.82,"end":86.06,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2683938145637512},{"word":"for","start":86.06,"end":86.14,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24892204999923703},{"word":"you","start":86.14,"end":86.299995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24286064505577087},{"word":"last","start":86.299995,"end":86.619995,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1959061324596405},{"word":"year","start":86.619995,"end":87.1,"confidence":0.9941406,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.25795799493789673},{"word":"we've","start":87.1,"end":87.42,"confidence":1.0,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.25120437145233154},{"word":"got","start":87.42,"end":87.579994,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.27155306935310364},{"word":"your","start":87.579994,"end":87.82,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2372519075870514},{"word":"certificates","start":87.82,"end":88.32,"confidence":0.74853516,"punctuated_word":"certificates","sentiment":"neutral","sentiment_score":0.215130478143692},{"word":"for","start":88.38,"end":88.619995,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23989702761173248},{"word":"the","start":88.619995,"end":88.78,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2084798514842987},{"word":"insurances","start":88.78,"end":89.28,"confidence":0.98063153,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.2031347453594208},{"word":"updated","start":89.74,"end":90.06,"confidence":0.96240234,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.18475817143917084},{"word":"financial","start":90.06,"end":90.53999,"confidence":0.9951172,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.17649371922016144},{"word":"services","start":90.53999,"end":91.02,"confidence":0.99902344,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.16035233438014984},{"word":"guide","start":91.02,"end":91.259995,"confidence":0.74560547,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.1980585753917694},{"word":"with","start":91.259995,"end":91.42,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23738738894462583},{"word":"license","start":91.42,"end":91.92,"confidence":0.97509766,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.17187772691249847},{"word":"details","start":91.979996,"end":92.46,"confidence":0.8474121,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.2131347060203552},{"word":"and","start":92.46,"end":92.619995,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2139066457748413},{"word":"the","start":92.619995,"end":92.78,"confidence":0.94189453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22597017884254456},{"word":"service","start":92.78,"end":93.18,"confidence":0.9951172,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.17223888635635376},{"word":"agreement","start":93.18,"end":93.585,"confidence":0.87841797,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.18089497089385984},{"word":"there","start":93.585,"end":93.985,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2209552675485611},{"word":"as","start":93.985,"end":94.065,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20498722791671753},{"word":"well","start":94.065,"end":94.565,"confidence":0.99560547,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17989130318164823},{"word":"no","start":113.28,"end":113.52,"confidence":0.73046875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.028204072266817093},{"word":"worries","start":113.52,"end":113.92,"confidence":0.9941406,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":-0.04232173413038254},{"word":"at","start":113.92,"end":114.08,"confidence":0.96972656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07318569719791412},{"word":"all","start":114.08,"end":114.24,"confidence":0.8586426,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.03907310590147972},{"word":"right","start":114.24,"end":114.74,"confidence":0.96484375,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.0004839962348341942},{"word":"yep","start":120.814995,"end":121.314995,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0017630842048674822},{"word":"perfect","start":123.055,"end":123.555,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4059053063392639},{"word":"now","start":124.735,"end":125.055,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1524052619934082},{"word":"is","start":125.055,"end":125.215,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08897751569747925},{"word":"there","start":125.215,"end":125.375,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08551223576068878},{"word":"anything","start":125.375,"end":125.695,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09168019890785216},{"word":"in","start":125.695,"end":125.854996,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.062201760709285736},{"word":"particular","start":125.854996,"end":126.335,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.07797884196043015},{"word":"that","start":126.335,"end":126.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03269113227725029},{"word":"you","start":126.415,"end":126.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04915064200758934},{"word":"want","start":126.575,"end":126.735,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.051233913749456406},{"word":"me","start":126.735,"end":126.895,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08717379719018936},{"word":"to","start":126.895,"end":126.975,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03168654814362526},{"word":"touch","start":126.975,"end":127.215,"confidence":1.0,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.048593245446681976},{"word":"on","start":127.215,"end":127.455,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05698828771710396},{"word":"this","start":127.455,"end":127.695,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0497613325715065},{"word":"year","start":127.695,"end":128.195,"confidence":0.99853516,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":0.04441466182470322},{"word":"yep","start":138.27,"end":138.75,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.21525578200817108},{"word":"absolutely","start":138.75,"end":139.25,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4252205491065979},{"word":"and","start":139.31,"end":139.81,"confidence":0.9223633,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3854685127735138},{"word":"one","start":139.95001,"end":140.11,"confidence":0.99902344,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.4054539203643799},{"word":"of","start":140.11,"end":140.27,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3892802596092224},{"word":"the","start":140.27,"end":140.43001,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5097329020500183},{"word":"main","start":140.43001,"end":140.93001,"confidence":1.0,"punctuated_word":"main","sentiment":"positive","sentiment_score":0.5436383485794067},{"word":"goals","start":140.99,"end":141.23001,"confidence":0.9970703,"punctuated_word":"goals","sentiment":"positive","sentiment_score":0.49296337366104126},{"word":"that","start":141.23001,"end":141.39,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5098354816436768},{"word":"i","start":141.39,"end":141.55,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.48553603887557983},{"word":"had","start":141.55,"end":141.71,"confidence":0.5307617,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.44827955961227417},{"word":"listed","start":141.71,"end":142.19,"confidence":0.99902344,"punctuated_word":"listed","sentiment":"positive","sentiment_score":0.5534785389900208},{"word":"previously","start":142.19,"end":142.69,"confidence":1.0,"punctuated_word":"previously","sentiment":"positive","sentiment_score":0.4849012792110443},{"word":"was","start":142.75,"end":143.235,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.4818877577781677},{"word":"you're","start":143.55501,"end":143.715,"confidence":0.88134766,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5352237224578857},{"word":"trying","start":143.715,"end":143.955,"confidence":0.99121094,"punctuated_word":"trying","sentiment":"positive","sentiment_score":0.4816015660762787},{"word":"to","start":143.955,"end":144.115,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5095586180686951},{"word":"just","start":144.115,"end":144.275,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5232553482055664},{"word":"get","start":144.275,"end":144.435,"confidence":0.9472656,"punctuated_word":"get,","sentiment":"positive","sentiment_score":0.4848959445953369},{"word":"like","start":144.435,"end":144.595,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.5310725569725037},{"word":"a","start":144.595,"end":144.675,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.570670485496521},{"word":"nice","start":144.675,"end":144.995,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.6350466012954712},{"word":"consistent","start":144.995,"end":145.475,"confidence":0.63916016,"punctuated_word":"consistent","sentiment":"positive","sentiment_score":0.5427917838096619},{"word":"return","start":145.475,"end":145.875,"confidence":0.9838867,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.5058469176292419},{"word":"you're","start":145.875,"end":145.955,"confidence":1.0,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2708176076412201},{"word":"not","start":145.955,"end":146.195,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2257237732410431},{"word":"trying","start":146.195,"end":146.355,"confidence":0.9980469,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.18418365716934204},{"word":"to","start":146.355,"end":146.435,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20862998068332672},{"word":"go","start":146.435,"end":146.595,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2560725212097168},{"word":"to","start":146.595,"end":146.715,"confidence":0.44433594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1813819259405136},{"word":"your","start":146.715,"end":146.835,"confidence":0.5673828,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14781832695007324},{"word":"high","start":146.835,"end":147.075,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.05695353448390961},{"word":"risk","start":147.075,"end":147.315,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.004790544509887695},{"word":"with","start":147.315,"end":147.475,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17727233469486237},{"word":"it","start":147.475,"end":147.875,"confidence":0.99658203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2097243219614029},{"word":"does","start":147.875,"end":148.115,"confidence":0.99902344,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.15316395461559296},{"word":"that","start":148.115,"end":148.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.192794531583786},{"word":"sound","start":148.275,"end":148.435,"confidence":1.0,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.11619441211223602},{"word":"about","start":148.435,"end":148.675,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09666957706212996},{"word":"right","start":148.675,"end":149.175,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.14799951016902924},{"word":"perfect","start":150.275,"end":150.775,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.25733682513237},{"word":"so","start":151.155,"end":151.655,"confidence":0.8125,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.013413820415735245},{"word":"yeah","start":158.69,"end":159.09,"confidence":0.98583984,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.025117842480540276},{"word":"so","start":159.09,"end":159.33,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018056854605674744},{"word":"for","start":159.33,"end":159.49,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04442174360156059},{"word":"your","start":159.49,"end":159.73,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03527982905507088},{"word":"kind","start":159.73,"end":159.97,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.015878163278102875},{"word":"of","start":159.97,"end":160.13,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013420287519693376},{"word":"risk","start":160.13,"end":160.37,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04813876003026962},{"word":"return","start":160.37,"end":160.77,"confidence":0.9980469,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.005300626158714294},{"word":"trade","start":160.77,"end":161.01,"confidence":0.9970703,"punctuated_word":"trade","sentiment":"neutral","sentiment_score":-0.011551927775144575},{"word":"off","start":161.01,"end":161.51,"confidence":0.9975586,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.0066996980458498},{"word":"i","start":161.65,"end":161.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02867726981639862},{"word":"guess","start":161.73,"end":162.13,"confidence":0.7668457,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.01951984502375126},{"word":"you're","start":162.13,"end":162.29,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.011511489748954771},{"word":"in","start":162.29,"end":162.53,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.004704240709543228},{"word":"a","start":162.53,"end":162.61,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02252050489187241},{"word":"growth","start":162.61,"end":162.93,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.04414043202996254},{"word":"funds","start":162.93,"end":163.25,"confidence":0.63623047,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.0347866490483284},{"word":"that","start":163.25,"end":163.57,"confidence":0.56347656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.040760040283203125},{"word":"kind","start":163.57,"end":163.81,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03277428448200226},{"word":"of","start":163.81,"end":163.97,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028478294610977173},{"word":"medium","start":163.97,"end":164.45,"confidence":0.99609375,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.04570573568344116},{"word":"to","start":164.45,"end":164.61,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02640525996685028},{"word":"high","start":164.61,"end":165.11,"confidence":0.810791,"punctuated_word":"high,","sentiment":"neutral","sentiment_score":0.024089058861136436},{"word":"not","start":165.17,"end":165.41,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.024371109902858738},{"word":"not","start":165.41,"end":165.65,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03859889507293701},{"word":"high","start":165.65,"end":165.81,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.08011431246995926},{"word":"risk","start":165.81,"end":166.13,"confidence":0.8918457,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":-0.007270479574799538},{"word":"but","start":166.13,"end":166.37,"confidence":0.9291992,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03009207174181938},{"word":"a","start":166.37,"end":166.45,"confidence":0.9428711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04290533810853958},{"word":"couple","start":166.45,"end":166.69,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05400284752249718},{"word":"of","start":166.69,"end":166.85,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03624136745929718},{"word":"pegs","start":166.85,"end":167.17,"confidence":0.9970703,"punctuated_word":"pegs","sentiment":"neutral","sentiment_score":0.026091083884239197},{"word":"below","start":167.17,"end":167.67,"confidence":0.7590332,"punctuated_word":"below,","sentiment":"neutral","sentiment_score":0.030777856707572937},{"word":"and","start":167.845,"end":168.08499,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05021350458264351},{"word":"you've","start":168.08499,"end":168.165,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07261711359024048},{"word":"got","start":168.165,"end":168.405,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0678710862994194},{"word":"80","start":168.405,"end":168.72499,"confidence":1.0,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.07575303316116333},{"word":"percent","start":168.72499,"end":169.205,"confidence":0.9655762,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.06638634204864502},{"word":"you","start":169.205,"end":169.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04832886531949043},{"word":"know","start":169.285,"end":169.525,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.058376144617795944},{"word":"shares","start":169.525,"end":169.845,"confidence":0.9892578,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.047444626688957214},{"word":"property","start":169.845,"end":170.245,"confidence":0.96240234,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.06578811258077621},{"word":"gold","start":170.245,"end":170.745,"confidence":0.97998047,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.07458081096410751},{"word":"so","start":170.805,"end":171.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07100147008895874},{"word":"the","start":171.045,"end":171.125,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08216072618961334},{"word":"main","start":171.125,"end":171.36499,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12440674006938934},{"word":"thing","start":171.36499,"end":171.525,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.16416263580322266},{"word":"is","start":171.525,"end":171.765,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10186073929071426},{"word":"get","start":171.765,"end":172.005,"confidence":0.9589844,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1504637598991394},{"word":"a","start":172.005,"end":172.08499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14172779023647308},{"word":"bit","start":172.08499,"end":172.165,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12752074003219604},{"word":"more","start":172.165,"end":172.405,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.13690195977687836},{"word":"growth","start":172.405,"end":172.645,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2173121273517609},{"word":"than","start":172.645,"end":172.805,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1809627115726471},{"word":"you","start":172.805,"end":172.885,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2120341956615448},{"word":"were","start":172.885,"end":173.205,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.16223466396331787},{"word":"getting","start":173.205,"end":173.705,"confidence":0.89331055,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":0.18233078718185425},{"word":"lower","start":173.845,"end":174.165,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.13928498327732086},{"word":"the","start":174.165,"end":174.405,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14398302137851715},{"word":"fees","start":174.405,"end":174.905,"confidence":0.9941406,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.06712564826011658},{"word":"but","start":175.125,"end":175.525,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06887981295585632},{"word":"nothing","start":175.525,"end":175.845,"confidence":0.99902344,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.03815745562314987},{"word":"where","start":175.845,"end":176.005,"confidence":0.99121094,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.11020327359437944},{"word":"you're","start":176.005,"end":176.08499,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07336446642875671},{"word":"gonna","start":176.08499,"end":176.325,"confidence":0.8496094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.11379992961883544},{"word":"crash","start":176.325,"end":176.565,"confidence":0.9970703,"punctuated_word":"crash","sentiment":"neutral","sentiment_score":-0.21314483880996704},{"word":"and","start":176.565,"end":176.72499,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29599496722221375},{"word":"lose","start":176.72499,"end":176.965,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.14912931621074677},{"word":"50%","start":176.965,"end":177.44499,"confidence":1.0,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.07322368770837784},{"word":"of","start":177.44499,"end":177.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03298979252576828},{"word":"your","start":177.525,"end":177.765,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017496712505817413},{"word":"super","start":177.765,"end":178.005,"confidence":0.99121094,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.041829973459243774},{"word":"in","start":178.005,"end":178.08499,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.023405738174915314},{"word":"a","start":178.08499,"end":178.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05802471563220024},{"word":"single","start":178.245,"end":178.485,"confidence":1.0,"punctuated_word":"single","sentiment":"neutral","sentiment_score":0.034892864525318146},{"word":"year","start":178.485,"end":178.985,"confidence":1.0,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06751047819852829},{"word":"perfect","start":181.94,"end":182.42,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.437897652387619},{"word":"so","start":182.42,"end":182.81999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2553013265132904},{"word":"you","start":182.81999,"end":182.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2379848212003708},{"word":"were","start":182.9,"end":183.14,"confidence":0.9838867,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.23306682705879211},{"word":"sitting","start":183.14,"end":183.54,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.2068435400724411},{"word":"at","start":183.54,"end":183.94,"confidence":0.88378906,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.2007315754890442},{"word":"once","start":183.94,"end":184.18,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1765161156654358},{"word":"we","start":184.18,"end":184.34,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14661461114883423},{"word":"consolidated","start":184.34,"end":184.84,"confidence":0.8041992,"punctuated_word":"consolidated","sentiment":"neutral","sentiment_score":0.16526563465595245},{"word":"everything","start":184.9,"end":185.3,"confidence":0.98950195,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.19220419228076935},{"word":"a","start":185.3,"end":185.37999,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2142595052719116},{"word":"176,000","start":185.37999,"end":187.0,"confidence":0.95458984,"punctuated_word":"176,000.","sentiment":"neutral","sentiment_score":0.15964889526367188},{"word":"you're","start":187.06,"end":187.22,"confidence":0.99658203,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.15570059418678284},{"word":"at","start":187.22,"end":187.45999,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2126256227493286},{"word":"a","start":187.45999,"end":187.54,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2159992158412933},{"word":"hundred","start":187.54,"end":187.78,"confidence":1.0,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.21062755584716797},{"word":"and","start":187.78,"end":187.94,"confidence":0.82373047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17887993156909943},{"word":"ninety","start":187.94,"end":188.26,"confidence":0.99902344,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.18739211559295657},{"word":"three","start":188.26,"end":188.58,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.11814235150814056},{"word":"four","start":188.58,"end":188.9,"confidence":0.8911133,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.10732393711805344},{"word":"nine","start":188.9,"end":189.14,"confidence":0.98095703,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.09690756350755692},{"word":"six","start":189.14,"end":189.64,"confidence":0.9995117,"punctuated_word":"six.","sentiment":"neutral","sentiment_score":0.11909475177526474},{"word":"i","start":190.5,"end":190.66,"confidence":0.7890625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009725645184516908},{"word":"don't","start":190.66,"end":190.9,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0211893767118454},{"word":"know","start":190.9,"end":190.98,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06907931715250015},{"word":"if","start":190.98,"end":191.14,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04444004222750664},{"word":"you've","start":191.14,"end":191.3,"confidence":0.9421387,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.022290317341685295},{"word":"seen","start":191.3,"end":191.54,"confidence":1.0,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.03340918570756912},{"word":"market","start":191.54,"end":191.86,"confidence":0.9291992,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.06148959696292877},{"word":"took","start":191.86,"end":192.01999,"confidence":0.9970703,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.07446008920669556},{"word":"a","start":192.01999,"end":192.09999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05627566576004028},{"word":"bit","start":192.09999,"end":192.26,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08771976828575134},{"word":"of","start":192.26,"end":192.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10564348846673964},{"word":"a","start":192.42,"end":192.66,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12887445092201233},{"word":"dive","start":192.66,"end":193.16,"confidence":0.36816406,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":-0.09906460344791412},{"word":"after","start":193.3,"end":193.62,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.14238858222961426},{"word":"christmas","start":193.62,"end":194.12,"confidence":0.55029297,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":-0.09781797975301744},{"word":"time","start":194.18,"end":194.5,"confidence":0.94091797,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.02259143441915512},{"word":"particularly","start":194.5,"end":195.0,"confidence":1.0,"punctuated_word":"particularly","sentiment":"neutral","sentiment_score":-0.013443700969219208},{"word":"in","start":195.06,"end":195.3,"confidence":0.95947266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03658834099769592},{"word":"march","start":195.3,"end":195.675,"confidence":0.9802246,"punctuated_word":"March,","sentiment":"neutral","sentiment_score":0.015461456030607224},{"word":"but","start":196.395,"end":196.55501,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.054973162710666656},{"word":"you've","start":196.55501,"end":196.715,"confidence":0.97265625,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.21754974126815796},{"word":"still","start":196.715,"end":197.035,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17167532444000244},{"word":"jumped","start":197.035,"end":197.355,"confidence":1.0,"punctuated_word":"jumped","sentiment":"neutral","sentiment_score":0.3041461706161499},{"word":"up","start":197.355,"end":197.835,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.38731688261032104},{"word":"into","start":197.835,"end":198.155,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3382307291030884},{"word":"the","start":198.155,"end":198.235,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42205381393432617},{"word":"positive","start":198.235,"end":198.735,"confidence":0.9970703,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.4817754626274109},{"word":"there","start":198.795,"end":199.295,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21811743080615997},{"word":"we've","start":199.835,"end":200.155,"confidence":0.99902344,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.1325257420539856},{"word":"got","start":200.155,"end":200.655,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1277424395084381},{"word":"i","start":201.035,"end":201.195,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1060263216495514},{"word":"compared","start":201.195,"end":201.515,"confidence":0.9980469,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.06642094254493713},{"word":"your","start":201.515,"end":201.755,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0819200798869133},{"word":"previous","start":201.755,"end":202.155,"confidence":1.0,"punctuated_word":"previous","sentiment":"neutral","sentiment_score":0.07239557802677155},{"word":"portfolio","start":202.155,"end":202.655,"confidence":0.8310547,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03600578010082245},{"word":"and","start":202.715,"end":202.955,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.041750334203243256},{"word":"it's","start":202.955,"end":203.195,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.057094018906354904},{"word":"kind","start":203.195,"end":203.515,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05852025747299194},{"word":"of","start":203.515,"end":203.91501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04703968018293381},{"word":"if","start":203.995,"end":204.155,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03048320859670639},{"word":"you","start":204.155,"end":204.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02630390971899033},{"word":"stayed","start":204.395,"end":204.63501,"confidence":0.99121094,"punctuated_word":"stayed","sentiment":"neutral","sentiment_score":0.0037679970264434814},{"word":"in","start":204.63501,"end":204.795,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01632620394229889},{"word":"the","start":204.795,"end":204.955,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004431106150150299},{"word":"one","start":204.955,"end":205.115,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.014722555875778198},{"word":"that","start":205.115,"end":205.27501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0013201534748077393},{"word":"you're","start":205.27501,"end":205.675,"confidence":0.93603516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.018428385257720947},{"word":"in","start":205.675,"end":206.075,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.011392474174499512},{"word":"last","start":206.075,"end":206.315,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.01024075597524643},{"word":"year","start":206.315,"end":206.55501,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.006771251559257507},{"word":"you","start":206.55501,"end":206.63501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.037230998277664185},{"word":"would","start":206.63501,"end":206.795,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.037306442856788635},{"word":"have","start":206.795,"end":206.955,"confidence":0.8232422,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011059865355491638},{"word":"been","start":206.955,"end":207.115,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.013502538204193115},{"word":"in","start":207.115,"end":207.27501,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.088409423828125},{"word":"the","start":207.27501,"end":207.435,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003888562321662903},{"word":"negative","start":207.435,"end":207.935,"confidence":0.8913574,"punctuated_word":"negative,","sentiment":"neutral","sentiment_score":-0.10164792090654372},{"word":"that","start":208.075,"end":208.235,"confidence":0.64501953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09336501359939577},{"word":"minus","start":208.235,"end":208.63501,"confidence":0.99902344,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":-0.13878650963306427},{"word":"2%","start":208.63501,"end":209.375,"confidence":0.9921875,"punctuated_word":"2%,","sentiment":"neutral","sentiment_score":-0.1039806306362152},{"word":"and","start":209.63,"end":209.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016581423580646515},{"word":"you're","start":209.71,"end":210.03,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.06532688438892365},{"word":"up","start":210.03,"end":210.35,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16506734490394592},{"word":"7%","start":210.35,"end":211.07,"confidence":1.0,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.13610757887363434},{"word":"this","start":211.07,"end":211.31,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1003975123167038},{"word":"year","start":211.31,"end":211.81,"confidence":1.0,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.04651264101266861},{"word":"so","start":214.35,"end":214.67,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09127719700336456},{"word":"even","start":214.67,"end":214.99,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08729466795921326},{"word":"with","start":214.99,"end":215.07,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04262297600507736},{"word":"a","start":215.07,"end":215.15001,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07607196271419525},{"word":"bit","start":215.15001,"end":215.39,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.02174893021583557},{"word":"of","start":215.39,"end":215.55,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02537253499031067},{"word":"a","start":215.55,"end":215.63,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0018729642033576963},{"word":"jitters","start":215.63,"end":216.03,"confidence":0.99104816,"punctuated_word":"jitters,","sentiment":"neutral","sentiment_score":-0.019512003287672997},{"word":"it's","start":216.03,"end":216.27,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1332259476184845},{"word":"still","start":216.27,"end":216.43001,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13688795268535614},{"word":"in","start":216.43001,"end":216.59,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21477186679840088},{"word":"the","start":216.59,"end":216.67,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32810232043266296},{"word":"positive","start":216.67,"end":217.07,"confidence":0.96240234,"punctuated_word":"positive,","sentiment":"positive","sentiment_score":0.33855384588241577},{"word":"which","start":217.07,"end":217.31,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.35692885518074036},{"word":"is","start":217.31,"end":217.55,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3782748579978943},{"word":"good","start":217.55,"end":218.05,"confidence":0.9753418,"punctuated_word":"good,","sentiment":"neutral","sentiment_score":0.33026254177093506},{"word":"but","start":218.35,"end":218.75,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.17811694741249084},{"word":"it's","start":218.75,"end":219.07,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1230996698141098},{"word":"about","start":219.07,"end":219.39,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.008065730333328247},{"word":"1%","start":219.39,"end":220.03,"confidence":1.0,"punctuated_word":"1%","sentiment":"neutral","sentiment_score":0.06863117218017578},{"word":"below","start":220.03,"end":220.43001,"confidence":0.97314453,"punctuated_word":"below,","sentiment":"neutral","sentiment_score":0.06302861869335175},{"word":"like","start":220.43001,"end":220.67,"confidence":0.9951172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07401753216981888},{"word":"the","start":220.67,"end":220.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11615867912769318},{"word":"average","start":220.83,"end":221.33,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.09646077454090118},{"word":"high","start":221.47,"end":221.63,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.10148845613002776},{"word":"return","start":221.63,"end":222.03,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.13957756757736206},{"word":"when","start":222.03,"end":222.27,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08266068249940872},{"word":"the","start":222.27,"end":222.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16928696632385254},{"word":"markets","start":222.35,"end":222.75,"confidence":0.9550781,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.11027715355157852},{"word":"are","start":222.75,"end":222.91,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1788691282272339},{"word":"going","start":222.91,"end":223.15001,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.24471944570541385},{"word":"up","start":223.15001,"end":223.39,"confidence":0.9003906,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.19007134437561035},{"word":"if","start":223.39,"end":223.55,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18141895532608032},{"word":"that","start":223.55,"end":223.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1710485816001892},{"word":"makes","start":223.71,"end":223.95,"confidence":0.9482422,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.101318821310997},{"word":"sense","start":223.95,"end":224.45,"confidence":0.984375,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.062226004898548126},{"word":"yeah","start":230.455,"end":230.77501,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06926605850458145},{"word":"exactly","start":230.77501,"end":231.255,"confidence":0.99902344,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":0.15660956501960754},{"word":"right","start":231.255,"end":231.49501,"confidence":0.7607422,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.007133135572075844},{"word":"so","start":231.49501,"end":231.655,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.019729167222976685},{"word":"it's","start":231.655,"end":231.975,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.017741788178682327},{"word":"like","start":231.975,"end":232.13501,"confidence":0.8540039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.025771506130695343},{"word":"yes","start":238.39,"end":238.89,"confidence":0.8125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08345337212085724},{"word":"i","start":242.15001,"end":242.31,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06951022148132324},{"word":"had","start":242.31,"end":242.47,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04766404628753662},{"word":"a","start":242.47,"end":242.55,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048225026577711105},{"word":"little","start":242.55,"end":242.71,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05662408471107483},{"word":"bit","start":242.71,"end":242.87,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04610889405012131},{"word":"of","start":242.87,"end":242.95,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05282667279243469},{"word":"look","start":242.95,"end":243.19,"confidence":0.8510742,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.028607318177819252},{"word":"see","start":243.19,"end":243.43001,"confidence":0.8642578,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.039184801280498505},{"word":"at","start":243.43001,"end":243.59,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.034618597477674484},{"word":"yep","start":245.83,"end":246.15001,"confidence":0.99104816,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.03800782561302185},{"word":"and","start":246.15001,"end":246.39,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.022410213947296143},{"word":"then","start":246.39,"end":246.55,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.025568887591362},{"word":"from","start":246.55,"end":246.79001,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.035720303654670715},{"word":"there","start":246.79001,"end":247.03,"confidence":0.81518555,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.031211748719215393},{"word":"the","start":247.03,"end":247.19,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03432067111134529},{"word":"hub","start":247.19,"end":247.69,"confidence":0.9880371,"punctuated_word":"hub.","sentiment":"neutral","sentiment_score":0.0400816984474659},{"word":"that's","start":253.925,"end":254.325,"confidence":0.9909668,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08874484151601791},{"word":"right","start":254.325,"end":254.825,"confidence":0.9995117,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.20686665177345276},{"word":"yep","start":266.34,"end":266.84,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.001191395102068782},{"word":"yeah","start":295.96997,"end":296.37,"confidence":0.82128906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006836690008640289},{"word":"yeah","start":296.37,"end":296.68997,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032446153461933136},{"word":"so","start":296.68997,"end":296.84998,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0483560785651207},{"word":"it's","start":296.84998,"end":297.00998,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1111091524362564},{"word":"a","start":297.00998,"end":297.09,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19246533513069153},{"word":"pretty","start":297.09,"end":297.25,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.21567746996879575},{"word":"simple","start":297.25,"end":297.65,"confidence":1.0,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.16896960139274597},{"word":"equation","start":297.65,"end":298.05,"confidence":0.99902344,"punctuated_word":"equation","sentiment":"neutral","sentiment_score":0.22651782631874084},{"word":"for","start":298.05,"end":298.21,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1977771669626236},{"word":"you","start":298.21,"end":298.37,"confidence":0.7866211,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18720969557762143},{"word":"it's","start":298.37,"end":298.53,"confidence":0.99316406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2523406147956848},{"word":"just","start":298.53,"end":298.77,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2104700654745102},{"word":"get","start":298.77,"end":298.93,"confidence":0.99121094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2232714295387268},{"word":"better","start":298.93,"end":299.16998,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.22266867756843567},{"word":"than","start":299.16998,"end":299.25,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.28508320450782776},{"word":"what","start":299.25,"end":299.40997,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2681458294391632},{"word":"you","start":299.40997,"end":299.56998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24065954983234408},{"word":"were","start":299.56998,"end":299.72998,"confidence":0.95947266,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.164835125207901},{"word":"getting","start":299.72998,"end":300.22998,"confidence":0.9975586,"punctuated_word":"getting.","sentiment":"neutral","sentiment_score":0.21047361195087433},{"word":"yeah","start":319.22998,"end":319.55,"confidence":0.8198242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07128167152404785},{"word":"it's","start":319.55,"end":319.78998,"confidence":0.9941406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06083344668149948},{"word":"like","start":319.78998,"end":320.03,"confidence":0.8598633,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.052500031888484955},{"word":"you","start":320.03,"end":320.19,"confidence":0.9199219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05531557649374008},{"word":"pay","start":320.19,"end":320.34998,"confidence":0.9838867,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.057602524757385254},{"word":"the","start":320.34998,"end":320.50998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.037781380116939545},{"word":"fees","start":320.50998,"end":320.99,"confidence":0.99902344,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.04442936182022095},{"word":"to","start":320.99,"end":321.15,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004256188869476318},{"word":"get","start":321.15,"end":321.31,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.034135572612285614},{"word":"a","start":321.31,"end":321.47,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02135557308793068},{"word":"result","start":321.47,"end":321.97,"confidence":0.98950195,"punctuated_word":"result.","sentiment":"neutral","sentiment_score":0.021810386329889297},{"word":"yep","start":328.605,"end":329.105,"confidence":0.7269287,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18272525072097776},{"word":"yeah","start":338.78,"end":339.25998,"confidence":0.9016113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16926448047161102},{"word":"and","start":339.25998,"end":339.5,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19174307584762573},{"word":"that's","start":339.5,"end":339.65997,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2165885865688324},{"word":"the","start":339.65997,"end":339.74,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25453856587409973},{"word":"thing","start":339.74,"end":339.97998,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2796563506126404},{"word":"with","start":339.97998,"end":340.22,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22004801034927368},{"word":"hub","start":340.22,"end":340.46,"confidence":0.5175781,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2258043736219406},{"word":"is","start":340.46,"end":340.78,"confidence":0.82714844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.209880992770195},{"word":"they're","start":340.78,"end":341.02,"confidence":0.9814453,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2775990962982178},{"word":"kind","start":341.02,"end":341.09998,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.28245222568511963},{"word":"of","start":341.09998,"end":341.25998,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2507926821708679},{"word":"known","start":341.25998,"end":341.58,"confidence":1.0,"punctuated_word":"known","sentiment":"neutral","sentiment_score":0.24126626551151276},{"word":"for","start":341.58,"end":341.74,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3007650375366211},{"word":"having","start":341.74,"end":341.9,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3720610737800598},{"word":"the","start":341.9,"end":342.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3003222942352295},{"word":"most","start":342.06,"end":342.3,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.2871658504009247},{"word":"investment","start":342.3,"end":342.78,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.25100645422935486},{"word":"options","start":342.78,"end":343.02,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2790323495864868},{"word":"in","start":343.02,"end":343.18,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3137591779232025},{"word":"the","start":343.18,"end":343.34,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3093131184577942},{"word":"country","start":343.34,"end":343.74,"confidence":0.7541504,"punctuated_word":"country,","sentiment":"neutral","sentiment_score":0.30604439973831177},{"word":"so","start":343.74,"end":344.22,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2872074544429779},{"word":"you","start":344.22,"end":344.46,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3262450397014618},{"word":"gotta","start":344.46,"end":344.69998,"confidence":0.7524414,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.32101431488990784},{"word":"make","start":344.69998,"end":344.94,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.26728010177612305},{"word":"sure","start":344.94,"end":345.18,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.29370787739753723},{"word":"we've","start":345.18,"end":345.41998,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.3509807288646698},{"word":"got","start":345.41998,"end":345.58,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31508344411849976},{"word":"you","start":345.58,"end":345.74,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3601803779602051},{"word":"in","start":345.74,"end":345.81998,"confidence":0.9873047,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33921539783477783},{"word":"the","start":345.81998,"end":345.97998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3026582598686218},{"word":"right","start":345.97998,"end":346.13998,"confidence":1.0,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.3560393750667572},{"word":"ones","start":346.13998,"end":346.63998,"confidence":0.8430176,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.2809261083602905},{"word":"and","start":346.78,"end":347.02,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29973989725112915},{"word":"that's","start":347.02,"end":347.34,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.29658302664756775},{"word":"what","start":347.34,"end":347.5,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.37164443731307983},{"word":"gets","start":347.5,"end":347.65997,"confidence":0.99902344,"punctuated_word":"gets","sentiment":"positive","sentiment_score":0.385459840297699},{"word":"you","start":347.65997,"end":347.81998,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3975499868392944},{"word":"the","start":347.81998,"end":347.97998,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3687151074409485},{"word":"outcome","start":347.97998,"end":348.3,"confidence":1.0,"punctuated_word":"outcome","sentiment":"positive","sentiment_score":0.4457215964794159},{"word":"at","start":348.3,"end":348.46,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.42812618613243103},{"word":"the","start":348.46,"end":348.53998,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4994430541992187},{"word":"end","start":348.53998,"end":348.69998,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.5172103047370911},{"word":"of","start":348.69998,"end":348.78,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5584692358970642},{"word":"the","start":348.78,"end":348.86,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5077725648880005},{"word":"day","start":348.86,"end":349.36,"confidence":1.0,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.4380044341087342},{"word":"one","start":351.125,"end":351.285,"confidence":0.9819336,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.2772902548313141},{"word":"of","start":351.285,"end":351.365,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2671065032482147},{"word":"the","start":351.365,"end":351.525,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37565457820892334},{"word":"good","start":351.525,"end":351.685,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4877939522266388},{"word":"news","start":351.685,"end":352.16498,"confidence":0.99902344,"punctuated_word":"news","sentiment":"positive","sentiment_score":0.512907862663269},{"word":"is","start":352.16498,"end":352.645,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4353625774383545},{"word":"comparing","start":352.645,"end":353.145,"confidence":0.92333984,"punctuated_word":"comparing","sentiment":"positive","sentiment_score":0.432452380657196},{"word":"the","start":353.285,"end":353.44498,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4559294283390045},{"word":"old","start":353.44498,"end":353.94498,"confidence":1.0,"punctuated_word":"old","sentiment":"positive","sentiment_score":0.35239070653915405},{"word":"eiss","start":354.005,"end":354.505,"confidence":0.96899414,"punctuated_word":"EISS","sentiment":"neutral","sentiment_score":0.30528444051742554},{"word":"and","start":354.805,"end":355.205,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23430612683296204},{"word":"australian","start":355.205,"end":355.705,"confidence":0.9838867,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.32921186089515686},{"word":"super","start":355.76498,"end":356.26498,"confidence":0.52490234,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.27453723549842834},{"word":"is","start":356.565,"end":357.04498,"confidence":0.9111328,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4521088302135467},{"word":"the","start":357.04498,"end":357.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5257064700126648},{"word":"growth","start":357.365,"end":357.685,"confidence":0.99609375,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5327641367912292},{"word":"fund","start":357.685,"end":357.925,"confidence":0.9980469,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.5619018077850342},{"word":"that","start":357.925,"end":358.16498,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5835112929344177},{"word":"carl","start":358.16498,"end":358.405,"confidence":0.78125,"punctuated_word":"Carl","sentiment":"positive","sentiment_score":0.46773412823677063},{"word":"put","start":358.405,"end":358.565,"confidence":0.7182617,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5677663683891296},{"word":"you","start":358.565,"end":358.72498,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5630406737327576},{"word":"into","start":358.72498,"end":359.22498,"confidence":0.99902344,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5778096318244934},{"word":"is","start":359.44498,"end":359.60498,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5690041780471802},{"word":"still","start":359.60498,"end":359.925,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5823357105255127},{"word":"outperforming","start":359.925,"end":360.425,"confidence":0.99609375,"punctuated_word":"outperforming","sentiment":"positive","sentiment_score":0.5707141757011414},{"word":"their","start":360.565,"end":360.72498,"confidence":0.9980469,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.4427650272846222},{"word":"high","start":360.72498,"end":360.965,"confidence":0.9980469,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.5539990067481995},{"word":"growth","start":360.965,"end":361.285,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5905168056488037},{"word":"funds","start":361.285,"end":361.785,"confidence":1.0,"punctuated_word":"funds","sentiment":"positive","sentiment_score":0.43702688813209534},{"word":"over","start":362.2,"end":362.52002,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5276690721511841},{"word":"five","start":362.52002,"end":362.6,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.4338465631008148},{"word":"years","start":362.6,"end":363.0,"confidence":1.0,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.4262385666370392},{"word":"by","start":363.0,"end":363.24002,"confidence":0.99902344,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.4153686463832855},{"word":"about","start":363.24002,"end":363.4,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4010872840881348},{"word":"4%","start":363.4,"end":364.22,"confidence":0.9215088,"punctuated_word":"4%.","sentiment":"positive","sentiment_score":0.43571966886520386},{"word":"so","start":364.44,"end":364.84,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29067739844322205},{"word":"lower","start":364.84,"end":365.16,"confidence":0.9819336,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.21095144748687744},{"word":"risk","start":365.16,"end":365.48,"confidence":0.9975586,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.25384461879730225},{"word":"higher","start":365.48,"end":365.80002,"confidence":0.9453125,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.37179744243621826},{"word":"returns","start":365.80002,"end":366.30002,"confidence":1.0,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":0.31778499484062195},{"word":"lower","start":366.68002,"end":367.0,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.2351914495229721},{"word":"investment","start":367.0,"end":367.5,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.20745842158794403},{"word":"fees","start":367.56,"end":368.06,"confidence":0.99658203,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.2629864513874054},{"word":"yeah","start":378.615,"end":379.115,"confidence":0.74316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2384984195232391},{"word":"yep","start":405.525,"end":406.025,"confidence":0.7126465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09379278123378754},{"word":"you're","start":414.18,"end":414.34,"confidence":0.8083496,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.040700264275074005},{"word":"pretty","start":414.34,"end":414.58002,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.035816315561532974},{"word":"well","start":414.58002,"end":414.82,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.0634508952498436},{"word":"in","start":414.82,"end":414.9,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11008520424365996},{"word":"the","start":414.9,"end":415.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14297282695770264},{"word":"middle","start":415.06,"end":415.38,"confidence":0.9472656,"punctuated_word":"middle,","sentiment":"neutral","sentiment_score":0.13710692524909973},{"word":"to","start":415.38,"end":415.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12607596814632416},{"word":"be","start":415.46,"end":415.62,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10103534162044524},{"word":"honest","start":415.62,"end":415.86002,"confidence":0.9863281,"punctuated_word":"honest,","sentiment":"neutral","sentiment_score":0.13506725430488586},{"word":"mate","start":415.86002,"end":416.18,"confidence":0.9863281,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.12403196096420288},{"word":"your","start":416.18,"end":416.58002,"confidence":0.96875,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.09972687065601347},{"word":"average","start":416.58002,"end":416.98,"confidence":0.99902344,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.10375552624464036},{"word":"balance","start":416.98,"end":417.38,"confidence":0.99316406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0967109277844429},{"word":"is","start":417.38,"end":417.78,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12119285017251968},{"word":"a","start":417.78,"end":417.94,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17659592628479004},{"word":"180","start":417.94,"end":418.66,"confidence":0.9923503,"punctuated_word":"180","sentiment":"neutral","sentiment_score":0.1690516322851181},{"word":"across","start":418.66,"end":419.06,"confidence":0.98291016,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.1044408529996872},{"word":"the","start":419.06,"end":419.22,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07920266687870026},{"word":"firm","start":419.22,"end":419.62,"confidence":0.99609375,"punctuated_word":"firm.","sentiment":"neutral","sentiment_score":0.0888298749923706},{"word":"you're","start":419.62,"end":419.94,"confidence":0.970459,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.17787550389766693},{"word":"just","start":419.94,"end":420.26,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18203365802764893},{"word":"shy","start":420.26,"end":420.5,"confidence":0.9980469,"punctuated_word":"shy","sentiment":"neutral","sentiment_score":0.2374373972415924},{"word":"of","start":420.5,"end":420.66,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1951064020395279},{"word":"200","start":420.66,"end":421.30002,"confidence":0.96313477,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.184797465801239},{"word":"and","start":421.30002,"end":421.7,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1537656933069229},{"word":"you've","start":421.7,"end":421.94,"confidence":0.82470703,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.18953292071819303},{"word":"built","start":421.94,"end":422.18,"confidence":0.99902344,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.25590264797210693},{"word":"your","start":422.18,"end":422.34,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24961969256401065},{"word":"base","start":422.34,"end":422.66,"confidence":0.99902344,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.23814059793949127},{"word":"up","start":422.66,"end":422.9,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2248229831457138},{"word":"now","start":422.9,"end":423.14,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.19664040207862857},{"word":"where","start":423.14,"end":423.64,"confidence":0.9707031,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.17315785586833954},{"word":"once","start":424.215,"end":424.33502,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.19572094082832336},{"word":"you","start":424.33502,"end":424.45502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18782097101211548},{"word":"build","start":424.45502,"end":424.775,"confidence":0.99316406,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.18640927970409393},{"word":"your","start":424.775,"end":424.935,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1801539957523346},{"word":"first","start":424.935,"end":425.17502,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.13856364786624908},{"word":"200","start":425.17502,"end":425.815,"confidence":0.9975586,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.17564548552036283},{"word":"that's","start":425.815,"end":426.135,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.17385613918304443},{"word":"where","start":426.135,"end":426.295,"confidence":0.9892578,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.13206887245178223},{"word":"you","start":426.295,"end":426.45502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16890767216682434},{"word":"can","start":426.45502,"end":426.61502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1768449693918228},{"word":"go","start":426.61502,"end":426.775,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1881033480167389},{"word":"from","start":426.775,"end":426.935,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.17270028591156006},{"word":"the","start":426.935,"end":427.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.137242391705513},{"word":"200","start":427.015,"end":427.495,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.16141317784786224},{"word":"to","start":427.495,"end":427.655,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12678812444210052},{"word":"the","start":427.655,"end":427.73502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12240283936262132},{"word":"mill","start":427.73502,"end":428.135,"confidence":0.82910156,"punctuated_word":"mill.","sentiment":"neutral","sentiment_score":0.09403140097856522},{"word":"but","start":428.135,"end":428.375,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02727631479501724},{"word":"at","start":428.375,"end":428.535,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.028535544872283936},{"word":"some","start":428.535,"end":428.775,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.015854567289352417},{"word":"point","start":428.775,"end":429.015,"confidence":0.99609375,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":-0.0047558993101119995},{"word":"i've","start":429.015,"end":429.17502,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.013705655932426453},{"word":"got","start":429.17502,"end":429.575,"confidence":0.5102539,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.010981269180774689},{"word":"to","start":429.575,"end":429.815,"confidence":0.8833008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01681710034608841},{"word":"obviously","start":429.815,"end":430.135,"confidence":0.7758789,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.001608341932296753},{"word":"have","start":430.135,"end":430.375,"confidence":0.98291016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01242167502641678},{"word":"that","start":430.375,"end":430.535,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0047697871923446655},{"word":"conversation","start":430.535,"end":430.935,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.007699273526668549},{"word":"with","start":430.935,"end":431.095,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03378312289714813},{"word":"you","start":431.095,"end":431.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019439533352851868},{"word":"about","start":431.255,"end":431.495,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.044609762728214264},{"word":"risk","start":431.495,"end":431.995,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.02791045606136322},{"word":"much","start":432.215,"end":432.535,"confidence":0.8630371,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.04034985601902008},{"word":"much","start":432.535,"end":432.775,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03076673299074173},{"word":"further","start":432.775,"end":433.095,"confidence":0.99902344,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.001077890396118164},{"word":"down","start":433.095,"end":433.335,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.014369156211614609},{"word":"the","start":433.335,"end":433.415,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006686702370643616},{"word":"line","start":433.415,"end":433.73502,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.005792729556560516},{"word":"too","start":433.73502,"end":433.975,"confidence":0.99609375,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.011469848453998566},{"word":"because","start":433.975,"end":434.475,"confidence":0.6196289,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.021613873541355133},{"word":"you","start":434.615,"end":434.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002918832004070282},{"word":"probably","start":434.775,"end":435.095,"confidence":0.99121094,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.007951624691486359},{"word":"don't","start":435.095,"end":435.255,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02185123972594738},{"word":"wanna","start":435.255,"end":435.495,"confidence":0.94384766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.029319990426301956},{"word":"be","start":435.495,"end":435.655,"confidence":0.96533203,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10234548151493073},{"word":"gross","start":435.655,"end":435.975,"confidence":0.59033203,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":-0.10098080337047576},{"word":"at","start":435.975,"end":436.135,"confidence":0.921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1551264375448227},{"word":"65","start":436.135,"end":436.855,"confidence":0.9995117,"punctuated_word":"65","sentiment":"neutral","sentiment_score":-0.0656648799777031},{"word":"and","start":436.855,"end":437.17502,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1375985890626907},{"word":"lose","start":437.17502,"end":437.67502,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.1112615168094635},{"word":"35%","start":437.84,"end":438.64,"confidence":1.0,"punctuated_word":"35%","sentiment":"neutral","sentiment_score":-0.05496698617935181},{"word":"of","start":438.64,"end":438.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10232285410165788},{"word":"your","start":438.72,"end":438.88,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0706394612789154},{"word":"subaru","start":438.88,"end":439.2,"confidence":0.79003906,"punctuated_word":"Subaru","sentiment":"neutral","sentiment_score":-0.044190533459186554},{"word":"a","start":439.2,"end":439.28,"confidence":0.7792969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07024697959423065},{"word":"year","start":439.28,"end":439.44,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.03100984543561935},{"word":"before","start":439.44,"end":439.6,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.045783355832099915},{"word":"you","start":439.6,"end":439.76,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033766478300094604},{"word":"live","start":439.76,"end":439.92,"confidence":0.9863281,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.02374233305454254},{"word":"off","start":439.92,"end":440.16,"confidence":0.71154785,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.0458223819732666},{"word":"but","start":440.16,"end":440.24,"confidence":0.91748047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.001294061541557312},{"word":"you","start":440.32,"end":440.48,"confidence":0.76416016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011602547019720078},{"word":"know","start":440.48,"end":440.56,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.009076107293367386},{"word":"what","start":440.56,"end":440.72,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011490758508443832},{"word":"i","start":440.72,"end":440.80002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00513119250535965},{"word":"mean","start":440.80002,"end":441.30002,"confidence":1.0,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.005776522681117058},{"word":"one","start":442.64,"end":442.88,"confidence":0.97314453,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.13909029960632324},{"word":"of","start":442.88,"end":442.96002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15900829434394836},{"word":"the","start":442.96002,"end":443.04,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1313178539276123},{"word":"things","start":443.04,"end":443.2,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12867307662963867},{"word":"i","start":443.2,"end":443.36002,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04531358927488327},{"word":"wanna","start":443.36002,"end":443.6,"confidence":0.89208984,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.027027634903788567},{"word":"broach","start":443.6,"end":443.84,"confidence":0.8383789,"punctuated_word":"broach","sentiment":"neutral","sentiment_score":0.005513086915016174},{"word":"with","start":443.84,"end":444.0,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03051568940281868},{"word":"you","start":444.0,"end":444.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.033568620681762695},{"word":"as","start":444.16,"end":444.32,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09644725173711775},{"word":"well","start":444.32,"end":444.72,"confidence":0.97680664,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.0920976549386978},{"word":"if","start":444.72,"end":444.88,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07556807994842529},{"word":"you","start":444.88,"end":444.96002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06867489963769913},{"word":"don't","start":444.96002,"end":445.2,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.07131268084049225},{"word":"mind","start":445.2,"end":445.7,"confidence":0.91381836,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.11623422801494598},{"word":"portfolio","start":446.64,"end":447.12,"confidence":0.78759766,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.267242431640625},{"word":"is","start":447.12,"end":447.28,"confidence":0.8071289,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4077182412147522},{"word":"looking","start":447.28,"end":447.52002,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.38225412368774414},{"word":"really","start":447.52002,"end":447.68002,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4268511235713959},{"word":"good","start":447.68002,"end":447.92,"confidence":0.9909668,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.349899560213089},{"word":"what","start":447.92,"end":448.16,"confidence":1.0,"punctuated_word":"What","sentiment":"positive","sentiment_score":0.4711272716522217},{"word":"carl","start":448.16,"end":448.40002,"confidence":0.68896484,"punctuated_word":"Carl","sentiment":"positive","sentiment_score":0.4597980976104736},{"word":"put","start":448.40002,"end":448.56,"confidence":0.67529297,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.5024179220199585},{"word":"you","start":448.56,"end":448.72,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.537841796875},{"word":"into","start":448.72,"end":449.22,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5353245139122009},{"word":"has","start":449.28,"end":449.52002,"confidence":0.9980469,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5276167392730713},{"word":"been","start":449.52002,"end":449.68002,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.48018988966941833},{"word":"our","start":449.68002,"end":449.92,"confidence":1.0,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4479913711547851},{"word":"best","start":449.92,"end":450.16,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4370434582233429},{"word":"performing","start":450.16,"end":450.66,"confidence":1.0,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.4423697888851166},{"word":"growth","start":451.135,"end":451.45502,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4778149127960205},{"word":"option","start":451.45502,"end":451.95502,"confidence":0.99902344,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.47155147790908813},{"word":"and","start":452.015,"end":452.255,"confidence":0.7675781,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3945016860961914},{"word":"especially","start":452.255,"end":452.755,"confidence":0.94140625,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.4510326087474823},{"word":"long","start":452.815,"end":452.975,"confidence":0.9941406,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.3311317563056946},{"word":"term","start":452.975,"end":453.215,"confidence":0.99902344,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.3468797504901886},{"word":"as","start":453.215,"end":453.375,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4418004751205444},{"word":"well","start":453.375,"end":453.875,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3204997181892395},{"word":"if","start":454.255,"end":454.495,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.278190553188324},{"word":"you","start":454.495,"end":454.655,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2909826934337616},{"word":"would","start":454.655,"end":454.815,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.26572656631469727},{"word":"like","start":454.815,"end":455.135,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.271549791097641},{"word":"a","start":455.135,"end":455.215,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26594120264053345},{"word":"little","start":455.215,"end":455.45502,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.23662689328193665},{"word":"bit","start":455.45502,"end":455.695,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2233029007911682},{"word":"more","start":455.695,"end":456.195,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.19309836626052856},{"word":"set","start":456.575,"end":456.73502,"confidence":0.9838867,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2438905239105225},{"word":"and","start":456.73502,"end":456.89502,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19139041006565097},{"word":"forget","start":456.89502,"end":457.295,"confidence":0.9941406,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":0.2247009575366974},{"word":"down","start":457.295,"end":457.45502,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2494105100631714},{"word":"the","start":457.45502,"end":457.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21787172555923465},{"word":"line","start":457.535,"end":458.035,"confidence":0.99902344,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.23657645285129547},{"word":"we","start":458.335,"end":458.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24525220692157745},{"word":"can","start":458.495,"end":458.815,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27894914150238037},{"word":"kind","start":458.815,"end":458.975,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2866937220096588},{"word":"of","start":458.975,"end":459.295,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2644154727458954},{"word":"package","start":459.295,"end":459.775,"confidence":1.0,"punctuated_word":"package","sentiment":"neutral","sentiment_score":0.2846114933490753},{"word":"up","start":459.775,"end":460.095,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.31204867362976074},{"word":"your","start":460.095,"end":460.335,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27800896763801575},{"word":"investments","start":460.335,"end":460.815,"confidence":0.9819336,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.22510658204555511},{"word":"into","start":460.815,"end":461.135,"confidence":1.0,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3337991237640381},{"word":"something","start":461.135,"end":461.45502,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.23773127794265747},{"word":"called","start":461.45502,"end":461.695,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.22414857149124143},{"word":"an","start":461.695,"end":461.855,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.27158141136169434},{"word":"sma","start":461.855,"end":462.355,"confidence":0.98795575,"punctuated_word":"SMA,","sentiment":"neutral","sentiment_score":0.23484252393245697},{"word":"which","start":462.495,"end":462.73502,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.27794089913368225},{"word":"is","start":462.73502,"end":462.89502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20851826667785645},{"word":"basically","start":462.89502,"end":463.295,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.23864543437957764},{"word":"just","start":463.295,"end":463.45502,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2311324179172516},{"word":"a","start":463.45502,"end":463.535,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25151991844177246},{"word":"bubble","start":463.535,"end":464.015,"confidence":1.0,"punctuated_word":"bubble","sentiment":"positive","sentiment_score":0.34425270557403564},{"word":"that","start":464.015,"end":464.255,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28191298246383667},{"word":"allows","start":464.255,"end":464.575,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.2744413912296295},{"word":"us","start":464.575,"end":464.73502,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.28899532556533813},{"word":"to","start":464.73502,"end":464.89502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29670947790145874},{"word":"make","start":464.89502,"end":465.055,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4057129621505738},{"word":"a","start":465.055,"end":465.135,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3721635043621063},{"word":"few","start":465.135,"end":465.375,"confidence":1.0,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.4123820960521698},{"word":"chops","start":465.375,"end":465.615,"confidence":0.9316406,"punctuated_word":"chops","sentiment":"positive","sentiment_score":0.4319335222244262},{"word":"and","start":465.615,"end":465.695,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4614607691764831},{"word":"changes","start":465.695,"end":466.17502,"confidence":1.0,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.49100181460380554},{"word":"throughout","start":466.17502,"end":466.495,"confidence":1.0,"punctuated_word":"throughout","sentiment":"positive","sentiment_score":0.4279634654521942},{"word":"the","start":466.495,"end":466.575,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3507534861564636},{"word":"year","start":466.575,"end":466.95,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.3697337210178375},{"word":"without","start":467.27002,"end":467.59003,"confidence":1.0,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.2289249151945114},{"word":"having","start":467.59003,"end":467.91,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2705472409725189},{"word":"to","start":467.91,"end":468.07,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21205143630504608},{"word":"go","start":468.07,"end":468.23,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18335716426372528},{"word":"through","start":468.23,"end":468.47,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.227443665266037},{"word":"too","start":468.47,"end":468.63,"confidence":0.9980469,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.19830071926116943},{"word":"many","start":468.63,"end":468.95,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.1748550981283188},{"word":"checkups","start":468.95,"end":469.45,"confidence":0.97965497,"punctuated_word":"checkups,","sentiment":"neutral","sentiment_score":0.2008034586906433},{"word":"sign","start":469.67,"end":469.91,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.19887635111808777},{"word":"extra","start":469.91,"end":470.23,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.15456904470920563},{"word":"documents","start":470.23,"end":470.73,"confidence":0.97143555,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.18940837681293488},{"word":"and","start":470.79,"end":470.95,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19065219163894653},{"word":"so","start":470.95,"end":471.19,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14126183092594147},{"word":"on","start":471.19,"end":471.67,"confidence":0.9951172,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10703174769878387},{"word":"would","start":471.67,"end":471.91,"confidence":0.99902344,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.0312546044588089},{"word":"that","start":471.91,"end":472.15002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1378800868988037},{"word":"be","start":472.15002,"end":472.39,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09299180656671524},{"word":"preferable","start":472.39,"end":472.87003,"confidence":0.9440918,"punctuated_word":"preferable,","sentiment":"neutral","sentiment_score":0.12177446484565736},{"word":"or","start":472.87003,"end":473.03,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01028577983379364},{"word":"do","start":473.03,"end":473.19,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03907967358827591},{"word":"you","start":473.19,"end":473.27002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15689274668693542},{"word":"still","start":473.27002,"end":473.51,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09047366678714752},{"word":"appreciate","start":473.51,"end":473.99002,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"neutral","sentiment_score":0.2630930542945862},{"word":"that","start":473.99002,"end":474.15002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3057732582092285},{"word":"little","start":474.15002,"end":474.39,"confidence":0.9873047,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3043205738067627},{"word":"bit","start":474.39,"end":474.55002,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3045175075531006},{"word":"of","start":474.55002,"end":474.71002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2977958619594574},{"word":"kind","start":474.71002,"end":474.87003,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2179001271724701},{"word":"of","start":474.87003,"end":475.11002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3025633692741394},{"word":"tailoring","start":475.11002,"end":475.61002,"confidence":1.0,"punctuated_word":"tailoring","sentiment":"neutral","sentiment_score":0.27710509300231934},{"word":"on","start":476.23,"end":476.39,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1461595892906189},{"word":"the","start":476.39,"end":476.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20602735877037048},{"word":"review","start":476.63,"end":477.03,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2199271619319916},{"word":"side","start":477.03,"end":477.53,"confidence":0.99560547,"punctuated_word":"side?","sentiment":"neutral","sentiment_score":0.0996825098991394},{"word":"yeah","start":488.085,"end":488.485,"confidence":0.7915039,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0582382008433342},{"word":"yep","start":488.485,"end":488.985,"confidence":0.7775879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08708389103412628},{"word":"it's","start":511.07498,"end":511.475,"confidence":0.80371094,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0231618732213974},{"word":"more","start":511.475,"end":511.79498,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.022033680230379105},{"word":"the","start":511.79498,"end":512.115,"confidence":0.96972656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03934931382536888},{"word":"signing","start":512.115,"end":512.435,"confidence":1.0,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.02236073464155197},{"word":"of","start":512.435,"end":512.515,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06431569159030914},{"word":"the","start":512.515,"end":512.595,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0760878324508667},{"word":"statement","start":512.595,"end":512.995,"confidence":0.99902344,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.1138000637292862},{"word":"of","start":512.995,"end":513.15497,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12527170777320862},{"word":"advice","start":513.15497,"end":513.635,"confidence":0.93847656,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.07489234209060669},{"word":"so","start":513.635,"end":513.795,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08676283806562424},{"word":"we","start":513.795,"end":513.955,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10034541040658952},{"word":"can","start":513.955,"end":514.115,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12272070348262788},{"word":"send","start":514.115,"end":514.355,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.11475595086812972},{"word":"you","start":514.355,"end":514.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11596183478832243},{"word":"the","start":514.515,"end":514.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07811657339334488},{"word":"document","start":514.675,"end":515.075,"confidence":0.9904785,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.0892188549041748},{"word":"but","start":515.075,"end":515.235,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07432615756988525},{"word":"you","start":515.235,"end":515.315,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014161590486764908},{"word":"need","start":515.315,"end":515.475,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03003113716840744},{"word":"to","start":515.475,"end":515.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03849149867892265},{"word":"go","start":515.555,"end":515.795,"confidence":0.90966797,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.06776361167430878},{"word":"okay","start":515.795,"end":516.295,"confidence":0.87939453,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.09784689545631409},{"word":"this","start":516.435,"end":516.675,"confidence":0.9921875,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1251135766506195},{"word":"to","start":516.675,"end":516.755,"confidence":0.8413086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13377901911735535},{"word":"that","start":516.755,"end":516.995,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15969353914260864},{"word":"makes","start":516.995,"end":517.235,"confidence":0.9453125,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.11949051171541214},{"word":"sense","start":517.235,"end":517.555,"confidence":1.0,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.07595549523830414},{"word":"in","start":517.555,"end":517.71497,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12076640874147417},{"word":"my","start":517.71497,"end":517.955,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1399294286966324},{"word":"mind","start":517.955,"end":518.455,"confidence":0.67163086,"punctuated_word":"mind.","sentiment":"neutral","sentiment_score":0.09460780769586564},{"word":"tick","start":518.66003,"end":519.06,"confidence":0.7319336,"punctuated_word":"Tick.","sentiment":"neutral","sentiment_score":0.08756983280181885},{"word":"go","start":519.06,"end":519.3,"confidence":0.9980469,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.17392751574516296},{"word":"for","start":519.3,"end":519.55,"confidence":0.9941406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16742290556430817},{"word":"it","start":519.55,"end":520.05,"confidence":0.9758301,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11076568067073822},{"word":"i","start":531.71497,"end":531.875,"confidence":0.5341797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05158618837594986},{"word":"mean","start":531.875,"end":532.115,"confidence":0.9941406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0648166686296463},{"word":"still","start":532.115,"end":532.435,"confidence":0.62841797,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03641808032989502},{"word":"can","start":532.435,"end":532.915,"confidence":0.72265625,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.0279491376131773},{"word":"still","start":532.915,"end":533.235,"confidence":0.9770508,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.018435057252645493},{"word":"can","start":533.235,"end":533.555,"confidence":0.83691406,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.0058186836540699005},{"word":"but","start":533.555,"end":534.055,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0035773515701293945},{"word":"pros","start":534.19495,"end":534.51495,"confidence":0.9086914,"punctuated_word":"pros","sentiment":"neutral","sentiment_score":-0.0036382824182510376},{"word":"and","start":534.51495,"end":534.675,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01626889407634735},{"word":"cons","start":534.675,"end":535.07495,"confidence":0.99902344,"punctuated_word":"cons","sentiment":"neutral","sentiment_score":-0.07609660178422928},{"word":"is","start":535.07495,"end":535.57495,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.003186844289302826},{"word":"handy","start":536.19495,"end":536.69495,"confidence":0.86987305,"punctuated_word":"handy.","sentiment":"neutral","sentiment_score":0.016189884394407272},{"word":"yeah","start":549.08997,"end":549.49,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08309629559516907},{"word":"yep","start":549.49,"end":549.99,"confidence":0.94140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09307900071144104},{"word":"absolutely","start":552.29,"end":552.79,"confidence":0.9980469,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.30467772483825684},{"word":"awesome","start":565.745,"end":566.225,"confidence":0.91918945,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6931888461112976},{"word":"and","start":566.225,"end":566.625,"confidence":0.81591797,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.49682360887527466},{"word":"look","start":566.625,"end":566.945,"confidence":0.984375,"punctuated_word":"look,","sentiment":"positive","sentiment_score":0.5996798276901245},{"word":"my","start":566.945,"end":567.265,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6310506463050842},{"word":"job","start":567.265,"end":567.505,"confidence":1.0,"punctuated_word":"job","sentiment":"positive","sentiment_score":0.4992827773094177},{"word":"is","start":567.505,"end":567.585,"confidence":0.5078125,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5828481316566467},{"word":"pretty","start":567.585,"end":567.905,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6054219007492065},{"word":"simple","start":567.905,"end":568.405,"confidence":0.99853516,"punctuated_word":"simple.","sentiment":"positive","sentiment_score":0.5781745910644531},{"word":"it's","start":568.465,"end":568.965,"confidence":0.9921875,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5921125411987305},{"word":"get","start":569.79,"end":569.95,"confidence":0.92578125,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6606560349464417},{"word":"you","start":569.95,"end":570.02997,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7452771067619324},{"word":"to","start":570.02997,"end":570.26996,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7574788331985474},{"word":"the","start":570.26996,"end":570.43,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.76609206199646},{"word":"retirement","start":570.43,"end":570.91,"confidence":1.0,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.5750033855438232},{"word":"goal","start":570.91,"end":571.31,"confidence":1.0,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.5805339813232422},{"word":"as","start":571.31,"end":571.47,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6736840605735779},{"word":"smoothly","start":571.47,"end":571.95,"confidence":1.0,"punctuated_word":"smoothly","sentiment":"positive","sentiment_score":0.7152630090713501},{"word":"as","start":571.95,"end":572.11,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.540270209312439},{"word":"possible","start":572.11,"end":572.51,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.5642325282096863},{"word":"with","start":572.51,"end":572.75,"confidence":0.9941406,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5866223573684692},{"word":"the","start":572.75,"end":572.91,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5038754940032959},{"word":"best","start":572.91,"end":573.23,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.47634586691856384},{"word":"chance","start":573.23,"end":573.55,"confidence":1.0,"punctuated_word":"chance","sentiment":"positive","sentiment_score":0.457268625497818},{"word":"possible","start":573.55,"end":574.05,"confidence":1.0,"punctuated_word":"possible","sentiment":"positive","sentiment_score":0.4962484538555145},{"word":"in","start":574.75,"end":574.91,"confidence":0.9526367,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5547884106636047},{"word":"a","start":574.91,"end":575.07,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4177626967430115},{"word":"way","start":575.07,"end":575.31,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.46043407917022705},{"word":"that's","start":575.31,"end":575.63,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4332202672958374},{"word":"comfortable","start":575.63,"end":576.11,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"positive","sentiment_score":0.47716689109802246},{"word":"for","start":576.11,"end":576.35,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5143613815307617},{"word":"you","start":576.35,"end":576.85,"confidence":0.8046875,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4649908244609833},{"word":"you're","start":576.91,"end":577.14996,"confidence":0.75219727,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.16471539437770844},{"word":"not","start":577.14996,"end":577.47,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11166422069072723},{"word":"taking","start":577.47,"end":577.79,"confidence":0.93603516,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.2343420088291168},{"word":"excessive","start":577.79,"end":578.26996,"confidence":0.9970703,"punctuated_word":"excessive","sentiment":"negative","sentiment_score":-0.3925884962081909},{"word":"risk","start":578.26996,"end":578.51,"confidence":0.6513672,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.345227986574173},{"word":"just","start":578.51,"end":578.67,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21468454599380493},{"word":"because","start":578.67,"end":578.91,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14527004957199097},{"word":"we","start":578.91,"end":579.07,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11390014737844469},{"word":"wanna","start":579.07,"end":579.31,"confidence":0.8173828,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1401251256465912},{"word":"get","start":579.31,"end":579.47,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.14533434808254242},{"word":"you","start":579.47,"end":579.63,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08144431561231613},{"word":"a","start":579.63,"end":579.70996,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09291324019432068},{"word":"higher","start":579.70996,"end":579.95,"confidence":0.9838867,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.10015777498483658},{"word":"return","start":579.95,"end":580.26996,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.07058346271514893},{"word":"when","start":580.26996,"end":580.43,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12146125733852386},{"word":"it's","start":580.43,"end":580.58997,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.16251865029335022},{"word":"not","start":580.58997,"end":580.83,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2618884742259979},{"word":"comfortable","start":580.83,"end":581.23,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.22355113923549652},{"word":"for","start":581.23,"end":581.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1636962741613388},{"word":"you","start":581.39,"end":581.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12370481342077257},{"word":"or","start":581.87,"end":582.11,"confidence":0.8613281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.006630502641201019},{"word":"the","start":582.11,"end":582.35,"confidence":0.64941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03060324490070343},{"word":"style","start":582.35,"end":582.58997,"confidence":0.9707031,"punctuated_word":"style","sentiment":"neutral","sentiment_score":0.10761062055826189},{"word":"of","start":582.58997,"end":582.83,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00007440894842147827},{"word":"investments","start":582.83,"end":583.33,"confidence":0.91430664,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.04121831059455872},{"word":"yep","start":588.155,"end":588.655,"confidence":0.9506836,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3750892281532288},{"word":"cool","start":589.675,"end":590.175,"confidence":0.99609375,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.38753336668014526},{"word":"at","start":590.795,"end":591.03503,"confidence":0.90527344,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.2776062488555908},{"word":"the","start":591.03503,"end":591.195,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2932911515235901},{"word":"moment","start":591.195,"end":591.695,"confidence":0.9970703,"punctuated_word":"moment,","sentiment":"positive","sentiment_score":0.33967745304107666},{"word":"the","start":591.755,"end":592.075,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4314748644828797},{"word":"portfolio","start":592.075,"end":592.555,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2654356360435486},{"word":"you're","start":592.555,"end":592.715,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3642592430114746},{"word":"in","start":592.715,"end":592.955,"confidence":0.76123047,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.42500895261764526},{"word":"it","start":592.955,"end":593.195,"confidence":0.9140625,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5718743801116943},{"word":"pretty","start":593.195,"end":593.355,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4748169779777527},{"word":"much","start":593.355,"end":593.59503,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4950483441352844},{"word":"hits","start":593.59503,"end":593.835,"confidence":0.99902344,"punctuated_word":"hits","sentiment":"positive","sentiment_score":0.5595819354057312},{"word":"all","start":593.835,"end":594.075,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4843569099903106},{"word":"the","start":594.075,"end":594.155,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43308770656585693},{"word":"marks","start":594.155,"end":594.475,"confidence":0.99902344,"punctuated_word":"marks","sentiment":"positive","sentiment_score":0.4294109344482422},{"word":"for","start":594.475,"end":594.635,"confidence":0.9741211,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2812891900539398},{"word":"the","start":594.635,"end":594.795,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32776975631713867},{"word":"things","start":594.795,"end":595.03503,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.41243258118629456},{"word":"that","start":595.03503,"end":595.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2562262713909149},{"word":"we're","start":595.275,"end":595.59503,"confidence":0.99560547,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.196531742811203},{"word":"considering","start":595.59503,"end":596.09503,"confidence":1.0,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.185627281665802},{"word":"market","start":596.155,"end":596.475,"confidence":0.9921875,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.25824087858200073},{"word":"wise","start":596.475,"end":596.975,"confidence":0.9926758,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.2582927346229553},{"word":"there","start":597.11005,"end":597.35004,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.1096777245402336},{"word":"is","start":597.35004,"end":597.43005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09496812522411346},{"word":"a","start":597.43005,"end":597.51,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09414555877447128},{"word":"few","start":597.51,"end":597.75,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.0595855638384819},{"word":"things","start":597.75,"end":598.07,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06567534804344177},{"word":"coming","start":598.07,"end":598.31006,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.05464542657136917},{"word":"down","start":598.31006,"end":598.55005,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06335113942623138},{"word":"the","start":598.55005,"end":598.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05040668696165085},{"word":"line","start":598.63,"end":598.87006,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.05923818424344063},{"word":"that","start":598.87006,"end":598.95,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05582283437252045},{"word":"we're","start":598.95,"end":599.19,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.06501518934965134},{"word":"keeping","start":599.19,"end":599.43005,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.05190350487828255},{"word":"an","start":599.43005,"end":599.59,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05668630450963974},{"word":"eye","start":599.59,"end":599.75,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.04957468807697296},{"word":"on","start":599.75,"end":600.07,"confidence":0.98291016,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.07350325584411621},{"word":"which","start":600.07,"end":600.31006,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.07270974665880203},{"word":"is","start":600.31006,"end":600.47003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07230176776647568},{"word":"why","start":600.47003,"end":600.71,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.023521065711975098},{"word":"i'm","start":600.71,"end":600.95,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.042718153446912766},{"word":"kind","start":600.95,"end":601.03,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03804827854037285},{"word":"of","start":601.03,"end":601.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035230569541454315},{"word":"thinking","start":601.19,"end":601.51,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.033497460186481476},{"word":"of","start":601.51,"end":601.67004,"confidence":0.9428711,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.061966802924871445},{"word":"that","start":601.67004,"end":601.91003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06868965178728104},{"word":"restructure","start":601.91003,"end":602.39,"confidence":0.982666,"punctuated_word":"restructure","sentiment":"neutral","sentiment_score":0.04686541110277176},{"word":"in","start":602.39,"end":602.55005,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04244577884674072},{"word":"twelve","start":602.55005,"end":602.79004,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.04208844155073166},{"word":"months'","start":602.79004,"end":603.19,"confidence":0.7495117,"punctuated_word":"months'","sentiment":"neutral","sentiment_score":0.034114062786102295},{"word":"time","start":603.19,"end":603.69,"confidence":0.97680664,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.04561443626880646},{"word":"which","start":603.83,"end":604.07,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.049726452678442},{"word":"may","start":604.07,"end":604.23004,"confidence":0.9873047,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.01643626019358635},{"word":"get","start":604.23004,"end":604.47003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.030287902802228928},{"word":"us","start":604.47003,"end":604.71,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.036420851945877075},{"word":"a","start":604.71,"end":604.79004,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04033168405294418},{"word":"few","start":604.79004,"end":604.95,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.02400195598602295},{"word":"switches","start":604.95,"end":605.45,"confidence":1.0,"punctuated_word":"switches","sentiment":"neutral","sentiment_score":0.01756768673658371},{"word":"a","start":605.75,"end":605.91003,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.034501172602176666},{"word":"little","start":605.91003,"end":606.07,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03231925144791603},{"word":"bit","start":606.07,"end":606.31006,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03656189888715744},{"word":"quicker","start":606.31006,"end":606.63,"confidence":1.0,"punctuated_word":"quicker","sentiment":"neutral","sentiment_score":0.08334578573703766},{"word":"for","start":606.63,"end":606.79004,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11013492941856384},{"word":"you","start":606.79004,"end":607.29004,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11928819119930267},{"word":"outside","start":609.59,"end":609.91003,"confidence":0.87060547,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.11015421897172928},{"word":"of","start":609.91003,"end":610.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06887432932853699},{"word":"that","start":610.07,"end":610.57,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0709073394536972},{"word":"can","start":610.775,"end":610.935,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0688486248254776},{"word":"i","start":610.935,"end":611.09503,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05584988370537758},{"word":"just","start":611.09503,"end":611.175,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02578878402709961},{"word":"quickly","start":611.175,"end":611.655,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.049053438007831573},{"word":"check-in","start":611.655,"end":612.155,"confidence":0.99934894,"punctuated_word":"check-in","sentiment":"neutral","sentiment_score":0.051816459745168686},{"word":"terms","start":612.295,"end":612.615,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04636551812291145},{"word":"of","start":612.615,"end":613.115,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.039137400686740875},{"word":"circumstances","start":613.335,"end":613.835,"confidence":0.82666016,"punctuated_word":"circumstances?","sentiment":"neutral","sentiment_score":0.0409262552857399},{"word":"you're","start":614.215,"end":614.53503,"confidence":0.81347656,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.0104064317420125},{"word":"still","start":614.53503,"end":614.695,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.015169790014624596},{"word":"earning","start":614.695,"end":614.935,"confidence":0.9707031,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.014729119837284088},{"word":"about","start":614.935,"end":615.055,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.009075187146663666},{"word":"a","start":615.055,"end":615.175,"confidence":0.91748047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02843151055276394},{"word":"$100","start":615.175,"end":615.995,"confidence":0.7989502,"punctuated_word":"$100,","sentiment":"neutral","sentiment_score":0.04295092821121216},{"word":"same","start":616.295,"end":616.615,"confidence":0.9970703,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.03876492381095886},{"word":"employer","start":616.615,"end":617.115,"confidence":0.86328125,"punctuated_word":"employer.","sentiment":"neutral","sentiment_score":0.01636117696762085},{"word":"yep","start":617.735,"end":618.235,"confidence":0.9851074,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03022988885641098},{"word":"three","start":619.415,"end":619.735,"confidence":0.98095703,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":0.01638462394475937},{"word":"children","start":619.735,"end":620.235,"confidence":0.88964844,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.028623241931200027},{"word":"amanda","start":620.775,"end":621.275,"confidence":0.80493164,"punctuated_word":"Amanda,","sentiment":"neutral","sentiment_score":0.02801300212740898},{"word":"family","start":621.895,"end":622.395,"confidence":0.45385742,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.019398171454668045},{"word":"changes","start":622.455,"end":622.955,"confidence":0.8925781,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.010220196098089218},{"word":"home","start":624.68005,"end":625.08,"confidence":0.7714844,"punctuated_word":"Home,","sentiment":"neutral","sentiment_score":0.006510637700557709},{"word":"car","start":625.08,"end":625.48004,"confidence":0.99365234,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":0.014574228785932064},{"word":"caravan","start":625.48004,"end":625.98004,"confidence":0.97387695,"punctuated_word":"caravan.","sentiment":"neutral","sentiment_score":0.029560551047325134},{"word":"fantastic","start":628.76,"end":629.26,"confidence":0.9802246,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4762210547924042},{"word":"and","start":630.04004,"end":630.36005,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1091458573937416},{"word":"did","start":630.36005,"end":630.52,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06452563405036926},{"word":"you","start":630.52,"end":630.68005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09811829775571825},{"word":"actually","start":630.68005,"end":631.0,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.07678276300430298},{"word":"put","start":631.0,"end":631.08,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0854707807302475},{"word":"a","start":631.08,"end":631.16003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06741621345281601},{"word":"will","start":631.16003,"end":631.4,"confidence":0.94921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04719835147261619},{"word":"in","start":631.4,"end":631.56,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029360078275203705},{"word":"place","start":631.56,"end":631.88,"confidence":0.9980469,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":0.06898587942123413},{"word":"it","start":631.88,"end":632.04004,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.00033469684422016144},{"word":"says","start":632.04004,"end":632.2,"confidence":1.0,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.007781310006976128},{"word":"that","start":632.2,"end":632.36005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0055352747440338135},{"word":"we","start":632.36005,"end":632.44,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.011082511395215988},{"word":"had","start":632.44,"end":632.60004,"confidence":0.9873047,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01104281097650528},{"word":"a","start":632.60004,"end":632.68005,"confidence":0.90478516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01773901656270027},{"word":"note","start":632.68005,"end":632.84,"confidence":0.9980469,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.02366611734032631},{"word":"that","start":632.84,"end":633.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03323528915643692},{"word":"you","start":633.0,"end":633.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06097153574228287},{"word":"did","start":633.08,"end":633.58,"confidence":0.9995117,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.03362438827753067},{"word":"20","start":642.375,"end":642.855,"confidence":0.9453125,"punctuated_word":"20","sentiment":"neutral","sentiment_score":-0.041150934994220734},{"word":"40","start":642.855,"end":643.355,"confidence":0.9902344,"punctuated_word":"40.","sentiment":"neutral","sentiment_score":-0.0034136236645281315},{"word":"yep","start":643.57495,"end":643.975,"confidence":0.9057617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0009546764194965364},{"word":"okay","start":643.975,"end":644.295,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.016481854021549225},{"word":"so","start":644.295,"end":644.45496,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02845277450978756},{"word":"that's","start":644.45496,"end":644.77496,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02879171632230282},{"word":"still","start":644.77496,"end":644.935,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03649056330323219},{"word":"there","start":644.935,"end":645.095,"confidence":0.9980469,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03671412914991379},{"word":"but","start":645.095,"end":645.33496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04323934018611908},{"word":"it","start":645.33496,"end":645.415,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07043195515871048},{"word":"might","start":645.415,"end":645.57495,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08302173018455505},{"word":"need","start":645.57495,"end":645.735,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.09644895792007446},{"word":"a","start":645.735,"end":645.815,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09245792031288148},{"word":"bit","start":645.815,"end":645.975,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10371224582195282},{"word":"of","start":645.975,"end":646.055,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.105419360101223},{"word":"an","start":646.055,"end":646.21497,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.10179702937602995},{"word":"update","start":646.21497,"end":646.71497,"confidence":0.99853516,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":-0.062037672847509384},{"word":"k","start":655.43,"end":655.93,"confidence":0.8474121,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.03818820044398308},{"word":"perfect","start":664.165,"end":664.665,"confidence":0.7553711,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.27996712923049927},{"word":"only","start":669.205,"end":669.525,"confidence":0.38330078,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":0.010889865458011627},{"word":"other","start":669.525,"end":669.685,"confidence":0.9770508,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.004873313009738922},{"word":"question","start":669.685,"end":670.085,"confidence":0.99902344,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.007387638092041016},{"word":"i","start":670.085,"end":670.165,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004108499735593796},{"word":"have","start":670.165,"end":670.325,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01434512808918953},{"word":"for","start":670.325,"end":670.405,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.011942200362682344},{"word":"you","start":670.405,"end":670.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027025185525417328},{"word":"on","start":670.565,"end":670.645,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.005321986973285675},{"word":"that","start":670.645,"end":670.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021819312125444412},{"word":"just","start":670.805,"end":670.965,"confidence":0.7763672,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02718447148799896},{"word":"quickly","start":670.965,"end":671.445,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.03883527219295502},{"word":"is","start":671.445,"end":671.765,"confidence":0.7709961,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.006093056872487068},{"word":"do","start":671.765,"end":671.925,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.023815497756004333},{"word":"you","start":671.925,"end":672.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009911704808473589},{"word":"remember","start":672.005,"end":672.405,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.001390986144542694},{"word":"if","start":672.405,"end":672.485,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.010176751762628555},{"word":"you","start":672.485,"end":672.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005995303392410278},{"word":"put","start":672.645,"end":672.72504,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.003301076591014862},{"word":"in","start":672.72504,"end":672.885,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007275663316249847},{"word":"place","start":672.885,"end":673.125,"confidence":0.99902344,"punctuated_word":"place","sentiment":"neutral","sentiment_score":-0.017688512802124023},{"word":"a","start":673.125,"end":673.28503,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0005791746079921722},{"word":"power","start":673.28503,"end":673.525,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.002430826425552368},{"word":"of","start":673.525,"end":673.685,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0115760937333107},{"word":"attorney","start":673.685,"end":674.185,"confidence":0.99316406,"punctuated_word":"attorney?","sentiment":"neutral","sentiment_score":-0.021502014249563217},{"word":"so","start":674.34,"end":674.5,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.010355659760534763},{"word":"if","start":674.5,"end":674.66003,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.020051121711730957},{"word":"you're","start":674.66003,"end":674.74005,"confidence":0.91259766,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.022852575406432152},{"word":"in","start":674.74005,"end":674.98004,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04080823063850403},{"word":"hospital","start":674.98004,"end":675.46,"confidence":0.8937988,"punctuated_word":"hospital,","sentiment":"neutral","sentiment_score":-0.031178511679172516},{"word":"you","start":675.46,"end":675.62006,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03049541264772415},{"word":"can't","start":675.62006,"end":675.94,"confidence":0.96362305,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.026239832863211632},{"word":"ask","start":675.94,"end":676.26,"confidence":0.430542,"punctuated_word":"ask.","sentiment":"neutral","sentiment_score":-0.015556016936898232},{"word":"amanda","start":676.26,"end":676.66003,"confidence":0.88720703,"punctuated_word":"Amanda","sentiment":"neutral","sentiment_score":-0.0004270831122994423},{"word":"can","start":676.66003,"end":677.14,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.000053542666137218475},{"word":"talk","start":677.14,"end":677.38,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.000451868399977684},{"word":"to","start":677.38,"end":677.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005051314830780029},{"word":"the","start":677.46,"end":677.62006,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004968699067831039},{"word":"doctors","start":677.62006,"end":678.02,"confidence":0.9423828,"punctuated_word":"doctors,","sentiment":"neutral","sentiment_score":0.0034490153193473816},{"word":"access","start":678.02,"end":678.26,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.0008972645737230778},{"word":"the","start":678.26,"end":678.42004,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003456711769104004},{"word":"bank","start":678.42004,"end":678.66003,"confidence":0.99902344,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.006480484735220671},{"word":"accounts","start":678.66003,"end":679.16003,"confidence":0.85302734,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.0018387790769338608},{"word":"yep","start":681.30005,"end":681.80005,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1979685127735138},{"word":"perfect","start":682.10004,"end":682.60004,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5524330139160156},{"word":"awesome","start":685.22003,"end":685.72003,"confidence":0.97680664,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.6553759574890137},{"word":"the","start":686.66003,"end":686.98004,"confidence":0.90722656,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.33703187108039856},{"word":"insurance","start":686.98004,"end":687.48004,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.3092743754386902},{"word":"policy","start":687.62006,"end":688.12006,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.278005987405777},{"word":"that","start":688.5,"end":689.0,"confidence":0.9658203,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34453892707824707},{"word":"got","start":689.06,"end":689.30005,"confidence":0.7944336,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3704020082950592},{"word":"kind","start":689.30005,"end":689.54004,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.3402583599090576},{"word":"of","start":689.54004,"end":689.7,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3192231059074402},{"word":"cleaned","start":689.7,"end":689.94,"confidence":1.0,"punctuated_word":"cleaned","sentiment":"neutral","sentiment_score":0.27230510115623474},{"word":"up","start":689.94,"end":690.315,"confidence":0.9399414,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.29447489976882935},{"word":"so","start":690.555,"end":691.055,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.34923189878463745},{"word":"a","start":691.115,"end":691.195,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.44423651695251465},{"word":"mill","start":691.195,"end":691.515,"confidence":0.6870117,"punctuated_word":"mill","sentiment":"positive","sentiment_score":0.5242188572883606},{"word":"of","start":691.515,"end":691.675,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40657204389572144},{"word":"life","start":691.675,"end":691.915,"confidence":1.0,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.3669771552085877},{"word":"and","start":691.915,"end":692.155,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3951477110385895},{"word":"disability","start":692.155,"end":692.655,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.25991761684417725},{"word":"insurance","start":692.715,"end":693.215,"confidence":0.8647461,"punctuated_word":"insurance.","sentiment":"positive","sentiment_score":0.3347780108451843},{"word":"you've","start":693.435,"end":693.59503,"confidence":0.9753418,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.24138814210891724},{"word":"got","start":693.59503,"end":693.755,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24621638655662537},{"word":"your","start":693.755,"end":693.995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21254050731658936},{"word":"income","start":693.995,"end":694.315,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1673859804868698},{"word":"protection","start":694.315,"end":694.715,"confidence":0.9838867,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.15821751952171326},{"word":"which","start":694.715,"end":694.955,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1811511516571045},{"word":"obviously","start":694.955,"end":695.275,"confidence":0.5571289,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.16329079866409302},{"word":"your","start":695.275,"end":695.435,"confidence":0.7919922,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.126765176653862},{"word":"income","start":695.435,"end":695.675,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10217589884996414},{"word":"hasn't","start":695.675,"end":695.995,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.17716717720031738},{"word":"changed","start":695.995,"end":696.495,"confidence":0.7507324,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.1379912793636322},{"word":"thirty","start":696.955,"end":697.195,"confidence":0.97265625,"punctuated_word":"Thirty","sentiment":"neutral","sentiment_score":0.09739786386489868},{"word":"day","start":697.195,"end":697.435,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.10195887833833694},{"word":"waiting","start":697.435,"end":697.755,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.09073112905025482},{"word":"period","start":697.755,"end":698.155,"confidence":0.92871094,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.08290751278400421},{"word":"five","start":698.155,"end":698.315,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.1248653680086136},{"word":"year","start":698.315,"end":698.555,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1355174034833908},{"word":"benefit","start":698.555,"end":699.055,"confidence":0.9941406,"punctuated_word":"benefit.","sentiment":"neutral","sentiment_score":0.11485522240400314},{"word":"if","start":699.435,"end":699.59503,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1254509836435318},{"word":"you","start":699.59503,"end":699.755,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10432380437850952},{"word":"have","start":699.755,"end":699.915,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09464342892169952},{"word":"any","start":699.915,"end":700.155,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08461441099643707},{"word":"issues","start":700.155,"end":700.475,"confidence":0.9995117,"punctuated_word":"issues,","sentiment":"neutral","sentiment_score":0.07244434952735901},{"word":"please","start":700.475,"end":700.715,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.10331486165523528},{"word":"just","start":700.715,"end":700.875,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14834438264369965},{"word":"give","start":700.875,"end":701.035,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09459400177001952},{"word":"us","start":701.035,"end":701.115,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12244610488414764},{"word":"a","start":701.115,"end":701.195,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12859514355659485},{"word":"buzz","start":701.195,"end":701.355,"confidence":0.8408203,"punctuated_word":"buzz,","sentiment":"neutral","sentiment_score":0.1493915617465973},{"word":"and","start":701.355,"end":701.515,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17668600380420685},{"word":"we","start":701.515,"end":701.59503,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18644411861896515},{"word":"can","start":701.59503,"end":701.755,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2896224558353424},{"word":"help","start":701.755,"end":701.915,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.27386680245399475},{"word":"you","start":701.915,"end":702.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26529794931411743},{"word":"through","start":702.075,"end":702.235,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2937500774860382},{"word":"the","start":702.235,"end":702.315,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27448055148124695},{"word":"claims","start":702.315,"end":702.635,"confidence":0.9970703,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":0.11672192811965942},{"word":"documents","start":702.635,"end":703.035,"confidence":0.78808594,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.18891823291778564},{"word":"make","start":703.035,"end":703.275,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3095712959766388},{"word":"it","start":703.275,"end":703.435,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.314555823802948},{"word":"a","start":703.435,"end":703.515,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31682533025741577},{"word":"bit","start":703.515,"end":703.675,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.28034868836402893},{"word":"easier","start":703.675,"end":703.915,"confidence":1.0,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.34110888838768005},{"word":"for","start":703.915,"end":704.075,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2881779670715332},{"word":"you","start":704.075,"end":704.37,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.16182753443717957},{"word":"it's","start":705.25,"end":705.75,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11126597970724106},{"word":"under","start":705.97,"end":706.29,"confidence":0.99902344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.16886326670646667},{"word":"2","start":706.29,"end":706.52997,"confidence":1.0,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.09780701994895936},{"word":"grands","start":706.52997,"end":707.01,"confidence":0.98339844,"punctuated_word":"grands","sentiment":"neutral","sentiment_score":0.10721208900213242},{"word":"once","start":707.01,"end":707.33,"confidence":0.75,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1598585546016693},{"word":"the","start":707.33,"end":707.41,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13640309870243073},{"word":"15%","start":707.41,"end":708.13,"confidence":0.9995117,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.13966703414916992},{"word":"rebate","start":708.13,"end":708.52997,"confidence":1.0,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.1275830864906311},{"word":"comes","start":708.52997,"end":708.77,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.10766445100307465},{"word":"off","start":708.77,"end":708.93,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1158653125166893},{"word":"of","start":708.93,"end":709.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13548719882965088},{"word":"it","start":709.01,"end":709.51,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0999942421913147},{"word":"basically","start":709.73,"end":710.23,"confidence":0.9970703,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.10774262994527815},{"word":"if","start":710.45,"end":710.69,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1679568588733673},{"word":"you're","start":710.69,"end":710.93,"confidence":0.8359375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16983458399772644},{"word":"happy","start":710.93,"end":711.17,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.16856759786605835},{"word":"that","start":711.17,"end":711.41,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23777717351913452},{"word":"your","start":711.41,"end":711.65,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17310942709445953},{"word":"circumstances","start":711.65,"end":712.15,"confidence":1.0,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.22672581672668457},{"word":"haven't","start":712.29,"end":712.61,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.1812463104724884},{"word":"changed","start":712.61,"end":713.08997,"confidence":0.99853516,"punctuated_word":"changed,","sentiment":"neutral","sentiment_score":0.16566111147403717},{"word":"i'll","start":713.08997,"end":713.33,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.18739132583141327},{"word":"keep","start":713.33,"end":713.57,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.14047305285930634},{"word":"an","start":713.57,"end":713.65,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14307808876037598},{"word":"eye","start":713.65,"end":713.81,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.11020258814096452},{"word":"on","start":713.81,"end":713.97,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1231650859117508},{"word":"it","start":713.97,"end":714.21,"confidence":0.9848633,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1471390724182129},{"word":"if","start":714.21,"end":714.37,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.134805366396904},{"word":"the","start":714.37,"end":714.52997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1198277473449707},{"word":"prices","start":714.52997,"end":715.01,"confidence":0.99609375,"punctuated_word":"prices","sentiment":"neutral","sentiment_score":0.1148720309138298},{"word":"start","start":715.01,"end":715.51,"confidence":0.97802734,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.10037396848201752},{"word":"skyrocketing","start":715.65,"end":716.15,"confidence":0.9995117,"punctuated_word":"skyrocketing,","sentiment":"neutral","sentiment_score":0.12658266723155975},{"word":"we","start":716.45,"end":716.61,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16520342230796814},{"word":"can","start":716.61,"end":716.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2174217998981476},{"word":"shop","start":716.77,"end":717.01,"confidence":1.0,"punctuated_word":"shop","sentiment":"neutral","sentiment_score":0.15325890481472015},{"word":"around","start":717.01,"end":717.33,"confidence":0.9904785,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.13056188821792605},{"word":"trim","start":717.33,"end":717.57,"confidence":1.0,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.11337068676948547},{"word":"it","start":717.57,"end":717.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15016363561153412},{"word":"down","start":717.73,"end":717.89,"confidence":0.984375,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.1240978091955185},{"word":"whatever","start":717.89,"end":718.21,"confidence":0.99121094,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.1339053511619568},{"word":"you","start":718.21,"end":718.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1068008989095688},{"word":"need","start":718.37,"end":718.755,"confidence":1.0,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":0.10495686531066896},{"word":"perfect","start":721.955,"end":722.355,"confidence":0.98999023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.36408400535583496},{"word":"the","start":722.355,"end":722.435,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11526434868574142},{"word":"only","start":722.435,"end":722.675,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06996940821409225},{"word":"thing","start":722.675,"end":723.175,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09585491567850112},{"word":"can","start":724.195,"end":724.515,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03369301185011864},{"word":"i","start":724.515,"end":724.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04461302608251572},{"word":"send","start":724.835,"end":725.155,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.062045883387327194},{"word":"you","start":725.155,"end":725.475,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.047941260039806366},{"word":"a","start":725.475,"end":725.555,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06057434156537056},{"word":"bit","start":725.555,"end":725.715,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07519592344760895},{"word":"of","start":725.715,"end":725.795,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05676976218819618},{"word":"an","start":725.795,"end":725.955,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06935258209705353},{"word":"updated","start":725.955,"end":726.435,"confidence":0.99316406,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.08239220827817917},{"word":"beneficiary","start":726.435,"end":726.935,"confidence":1.0,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.11192270368337633},{"word":"form","start":727.155,"end":727.655,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.0974329635500908},{"word":"to","start":727.715,"end":727.875,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08123873919248581},{"word":"get","start":727.875,"end":728.03503,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07626170665025711},{"word":"amanda","start":728.03503,"end":728.435,"confidence":0.99902344,"punctuated_word":"Amanda","sentiment":"neutral","sentiment_score":0.04013197496533394},{"word":"listed","start":728.435,"end":728.835,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.06676759570837021},{"word":"on","start":728.835,"end":728.995,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.054572030901908875},{"word":"the","start":728.995,"end":729.155,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04239638149738312},{"word":"super","start":729.155,"end":729.655,"confidence":0.92211914,"punctuated_word":"super?","sentiment":"neutral","sentiment_score":0.05299527943134308},{"word":"perfect","start":731.09,"end":731.37,"confidence":0.9733887,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.27369844913482666},{"word":"you","start":731.37,"end":731.65,"confidence":0.41088867,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.10773023962974548},{"word":"got","start":731.65,"end":731.81006,"confidence":0.21435547,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.17803505063056946},{"word":"the","start":731.81006,"end":731.97003,"confidence":0.16674805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17561402916908264},{"word":"how","start":731.97003,"end":732.21,"confidence":0.41552734,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.18293464183807373},{"word":"to","start":732.21,"end":732.29004,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10802118480205536},{"word":"do","start":732.29004,"end":732.69,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1089695766568184},{"word":"yep","start":733.73004,"end":734.13,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07536356151103973},{"word":"well","start":734.13,"end":734.53,"confidence":0.9926758,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05410340428352356},{"word":"are","start":734.53,"end":734.69,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02814933843910694},{"word":"you","start":734.69,"end":734.85004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04590815305709839},{"word":"okay","start":734.85004,"end":735.09,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.05631620064377785},{"word":"to","start":735.09,"end":735.41003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05093173682689667},{"word":"print","start":735.41003,"end":735.65,"confidence":1.0,"punctuated_word":"print","sentiment":"neutral","sentiment_score":0.029869522899389267},{"word":"it","start":735.65,"end":735.73004,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.038895703852176666},{"word":"out","start":735.73004,"end":735.89,"confidence":0.92163086,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.033452510833740234},{"word":"or","start":735.89,"end":735.97003,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02862543798983097},{"word":"would","start":735.97003,"end":736.05005,"confidence":0.8378906,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02509082295000553},{"word":"you","start":736.05005,"end":736.13,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03324567899107933},{"word":"want","start":736.13,"end":736.29004,"confidence":0.9970703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.02612272836267948},{"word":"me","start":736.29004,"end":736.53,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.051785700023174286},{"word":"to","start":736.53,"end":736.61005,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04146143049001694},{"word":"post","start":736.61005,"end":736.93,"confidence":0.99902344,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.029588568955659863},{"word":"it","start":736.93,"end":737.01,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045836761593818665},{"word":"to","start":737.01,"end":737.09,"confidence":0.96972656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03785139322280884},{"word":"you","start":737.09,"end":737.59,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.0397566594183445},{"word":"sensational","start":739.49,"end":739.99,"confidence":0.9926758,"punctuated_word":"Sensational.","sentiment":"neutral","sentiment_score":0.1418708562850952},{"word":"easy","start":745.26495,"end":745.50494,"confidence":0.99121094,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.4663686752319336},{"word":"done","start":745.50494,"end":745.90497,"confidence":0.89868164,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.3101114332675934},{"word":"mate","start":745.90497,"end":746.065,"confidence":0.88671875,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.10330428928136826},{"word":"any","start":746.065,"end":746.305,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12343987822532654},{"word":"questions","start":746.305,"end":746.625,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.11857162415981291},{"word":"for","start":746.625,"end":746.70496,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1240398734807968},{"word":"me","start":746.70496,"end":746.865,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07822693139314651},{"word":"so","start":746.865,"end":747.105,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05953923612833023},{"word":"far","start":747.105,"end":747.605,"confidence":0.9995117,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.05929126590490341},{"word":"alright","start":749.26495,"end":749.665,"confidence":0.9975586,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06080709025263786},{"word":"i'll","start":749.665,"end":749.90497,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0904531478881836},{"word":"leave","start":749.90497,"end":750.14496,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.11023078113794328},{"word":"that","start":750.14496,"end":750.64496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15468816459178925},{"word":"odoo","start":750.785,"end":751.185,"confidence":0.8911133,"punctuated_word":"Odoo","sentiment":"neutral","sentiment_score":0.08017018437385559},{"word":"sign","start":751.185,"end":751.50494,"confidence":0.47094727,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.08770587295293808},{"word":"pack","start":751.50494,"end":751.745,"confidence":0.99121094,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.10565254092216492},{"word":"with","start":751.745,"end":751.985,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13035830855369568},{"word":"you","start":751.985,"end":752.305,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09184731543064116},{"word":"again","start":752.305,"end":752.785,"confidence":0.9995117,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.03309423848986626},{"word":"fees","start":752.785,"end":753.105,"confidence":0.9580078,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.0572369359433651},{"word":"are","start":753.105,"end":753.185,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06196627765893936},{"word":"the","start":753.185,"end":753.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0821487158536911},{"word":"same","start":753.345,"end":753.58496,"confidence":0.8444824,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.0688738077878952},{"word":"1.6","start":753.58496,"end":754.225,"confidence":0.9842122,"punctuated_word":"1.6","sentiment":"neutral","sentiment_score":0.04703545570373535},{"word":"5%","start":754.225,"end":754.94495,"confidence":0.9383545,"punctuated_word":"5%.","sentiment":"neutral","sentiment_score":0.0732126533985138},{"word":"happy","start":754.94495,"end":755.345,"confidence":0.4633789,"punctuated_word":"Happy","sentiment":"neutral","sentiment_score":0.3081137537956238},{"word":"at","start":755.345,"end":755.50494,"confidence":0.95703125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25236091017723083},{"word":"600,000","start":755.50494,"end":756.565,"confidence":1.0,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.2971096634864807},{"word":"happy","start":756.70496,"end":757.105,"confidence":0.5073242,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.32178425788879395},{"word":"days","start":757.105,"end":757.605,"confidence":0.99853516,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.061490997672080994},{"word":"outside","start":758.75,"end":759.15,"confidence":0.9970703,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":-0.031443119049072266},{"word":"of","start":759.15,"end":759.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.046061765402555466},{"word":"that","start":759.39,"end":759.89,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.057052746415138245},{"word":"i'll","start":760.03,"end":760.27,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19241373240947723},{"word":"send","start":760.27,"end":760.51,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.23032274842262268},{"word":"that","start":760.51,"end":760.75,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1727481335401535},{"word":"beneficiary","start":760.75,"end":761.25,"confidence":0.99902344,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.3693808913230896},{"word":"forms","start":761.31,"end":761.63,"confidence":0.9550781,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":0.23639237880706787},{"word":"through","start":761.63,"end":761.87,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2736441493034363},{"word":"to","start":761.87,"end":761.95,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2632569670677185},{"word":"you","start":761.95,"end":762.19,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31328943371772766},{"word":"today","start":762.19,"end":762.43,"confidence":1.0,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.291579008102417},{"word":"as","start":762.43,"end":762.51,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1647411584854126},{"word":"well","start":762.51,"end":762.75,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.097492516040802},{"word":"in","start":762.75,"end":762.91003,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17849037051200867},{"word":"a","start":762.91003,"end":762.99005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1439223289489746},{"word":"separate","start":762.99005,"end":763.39,"confidence":1.0,"punctuated_word":"separate","sentiment":"neutral","sentiment_score":0.06710575520992279},{"word":"email","start":763.39,"end":763.89,"confidence":1.0,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.24785128235816956},{"word":"awesome","start":765.63,"end":766.11005,"confidence":0.99316406,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8485532999038696},{"word":"catch","start":766.11005,"end":766.43,"confidence":0.9970703,"punctuated_word":"Catch","sentiment":"positive","sentiment_score":0.7809798717498779},{"word":"you","start":766.43,"end":766.59,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6967974901199341},{"word":"in","start":766.59,"end":766.83,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7227965593338013},{"word":"a","start":766.83,"end":766.91003,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6783550381660461},{"word":"little","start":766.91003,"end":767.07,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3917563259601593},{"word":"bit","start":767.07,"end":767.57,"confidence":0.99560547,"punctuated_word":"bit.","sentiment":"positive","sentiment_score":0.575223982334137},{"word":"thank","start":768.43,"end":768.67004,"confidence":0.9951172,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7406018376350403},{"word":"you","start":768.67004,"end":768.91003,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7117809057235718},{"word":"bye","start":768.91003,"end":769.17596,"confidence":0.98657227,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1119781658053398}],"paragraphs":{"transcript":"\nGood morning, Ryan. It's Tommy here, senior adviser from. How are you going? Living the dream, I hope. Mate, I'm just giving you a call to go through your annual review if you still have a bit of time.\n\nPerfect. Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay. Cool. So we've got the call is recorded for training and quality purposes. I'm registered with Asica's adviser 1273105.\n\nMate, could you please confirm your date of birth and address for me? Thank you so much for that. I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety. Will you be able to look on to the email pack with me today, or should I just walk you through the documents? Yep.\n\nYeah. That's no worries at all. I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together. Is that alright? Perfect.\n\nSo just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well. No worries at all. Right? Yep.\n\nPerfect. Now is there anything in particular that you want me to touch on this year? Yep. Absolutely. And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return.\n\nYou're not trying to go to your high risk with it. Does that sound about right? Perfect. So, yeah. So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk, but a couple of pegs below, And you've got 80 percent, you know, shares property gold.\n\nSo the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year. Perfect. So you were sitting at, once we consolidated everything, a 176,000. You're at a hundred and ninety three four nine six. I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there.\n\nWe've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year. So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense. Yeah. Exactly right. So it's like Yes.\n\nI had a little bit of look see at yep. And then from there, the hub. That's right. Yep. Yeah.\n\nYeah. So it's a pretty simple equation for you. It's just get better than what you were getting. Yeah. It's like you pay the fees to get a result.\n\nYep. Yeah. And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's what gets you the outcome at the end of the day. One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over five years by about 4%. So lower risk, higher returns, lower investment fees.\n\nYeah. Yep. You're pretty well in the middle, to be honest, mate. Your average balance is a 180 across the firm. You're just shy of 200, and you've built your base up now where once you build your first 200, that's where you can go from the 200 to the mill.\n\nBut at some point, I've got to obviously have that conversation with you about risk much, much further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off. But you know what I mean? One of the things I wanna broach with you as well, if you don't mind, portfolio is looking really good. What Carl put you into has been our best performing growth option and especially long term as well. If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on.\n\nWould that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side? Yeah. Yep. It's more the signing of the statement of advice. So we can send you the document, but you need to go, okay.\n\nThis to that makes sense in my mind. Tick. Go for it. I mean, still can. Still can, but pros and cons is handy.\n\nYeah. Yep. Absolutely. Awesome. And, look, my job is pretty simple.\n\nIt's get you to the retirement goal as smoothly as possible with the best chance possible in a way that's comfortable for you. You're not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you or the style of investments. Yep. Cool. At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise.\n\nThere is a few things coming down the line that we're keeping an eye on, which is why I'm kind of thinking of that restructure in twelve months' time, which may get us a few switches a little bit quicker for you. Outside of that, can I just quickly check-in terms of circumstances? You're still earning about a $100, same employer. Yep. Three children, Amanda, family changes, Home, car, caravan.\n\nFantastic. And did you actually put a will in place? It says that we had a note that you did. 20 40. Yep.\n\nOkay. So that's still there, but it might need a bit of an update. K. Perfect. Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney?\n\nSo if you're in hospital, you can't ask. Amanda can talk to the doctors, access the bank accounts. Yep. Perfect. Awesome.\n\nThe insurance policy that got kind of cleaned up, so a mill of life and disability insurance. You've got your income protection, which obviously your income hasn't changed. Thirty day waiting period, five year benefit. If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit easier for you. It's under 2 grands once the 15% rebate comes off of it.\n\nBasically, if you're happy that your circumstances haven't changed, I'll keep an eye on it. If the prices start skyrocketing, we can shop around, trim it down, whatever you need. Perfect. The only thing can I send you a bit of an updated beneficiary form to get Amanda listed on the super? Perfect.\n\nYou got the how to do Yep. Well, are you okay to print it out, or would you want me to post it to you? Sensational. Easy done. Mate, any questions for me so far?\n\nAlright. I'll leave that Odoo sign pack with you. Again, fees are the same, 1.6 5%. Happy at 600,000 happy days. Outside of that, I'll send that beneficiary forms through to you today as well in a separate email.\n\nAwesome. Catch you in a little bit. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Ryan.","start":1.5999999,"end":2.48,"sentiment":"positive","sentiment_score":0.38280274470647174},{"text":"It's Tommy here, senior adviser from.","start":2.48,"end":4.5,"sentiment":"neutral","sentiment_score":0.2808805505434672},{"text":"How are you going?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.3167026787996292},{"text":"Living the dream, I hope.","start":8.24,"end":9.54,"sentiment":"positive","sentiment_score":0.5921321392059327},{"text":"Mate, I'm just giving you a call to go through your annual review if you still have a bit of time.","start":12.815001,"end":16.995,"sentiment":"neutral","sentiment_score":0.04328534672302859}],"sentiment":"neutral","sentiment_score":0.20436295461005125,"num_words":39,"start":1.5999999,"end":16.995},{"sentences":[{"text":"Perfect.","start":19.375,"end":19.875,"sentiment":"positive","sentiment_score":0.5214199423789978},{"text":"Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay.","start":19.935,"end":27.475,"sentiment":"neutral","sentiment_score":0.1906151089704398},{"text":"Cool.","start":29.4,"end":29.9,"sentiment":"neutral","sentiment_score":0.24805378913879397},{"text":"So we've got the call is recorded for training and quality purposes.","start":29.96,"end":33.739998,"sentiment":"neutral","sentiment_score":0.10886383801698685},{"text":"I'm registered with Asica's adviser 1273105.","start":34.04,"end":37.559998,"sentiment":"neutral","sentiment_score":0.09643739586075147}],"sentiment":"neutral","sentiment_score":0.16876910865869163,"num_words":53,"start":19.375,"end":37.559998},{"sentences":[{"text":"Mate, could you please confirm your date of birth and address for me?","start":37.559998,"end":40.605,"sentiment":"neutral","sentiment_score":0.05072689113708643},{"text":"Thank you so much for that.","start":46.765,"end":48.385,"sentiment":"positive","sentiment_score":0.6304725408554077},{"text":"I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety.","start":48.524998,"end":53.665,"sentiment":"neutral","sentiment_score":0.2903964360555013},{"text":"Will you be able to look on to the email pack with me today, or should I just walk you through the documents?","start":54.11,"end":59.329998,"sentiment":"neutral","sentiment_score":0.15319079808566882},{"text":"Yep.","start":63.149998,"end":63.649998,"sentiment":"neutral","sentiment_score":0.06527362763881683}],"sentiment":"neutral","sentiment_score":0.21356712679924636,"num_words":58,"start":37.559998,"end":63.649998},{"sentences":[{"text":"Yeah.","start":66.604996,"end":66.845,"sentiment":"neutral","sentiment_score":0.139704167842865},{"text":"That's no worries at all.","start":66.845,"end":68.125,"sentiment":"neutral","sentiment_score":0.2388454794883728},{"text":"I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together.","start":68.125,"end":75.645,"sentiment":"neutral","sentiment_score":0.19355663284659386},{"text":"Is that alright?","start":75.645,"end":76.465,"sentiment":"neutral","sentiment_score":0.14378702640533447},{"text":"Perfect.","start":78.54,"end":78.78,"sentiment":"positive","sentiment_score":0.543215811252594}],"sentiment":"neutral","sentiment_score":0.20243620730581738,"num_words":42,"start":66.604996,"end":78.78},{"sentences":[{"text":"So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year.","start":78.78,"end":87.1,"sentiment":"neutral","sentiment_score":0.2684720370805625},{"text":"We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well.","start":87.1,"end":94.565,"sentiment":"neutral","sentiment_score":0.2079789787530899},{"text":"No worries at all.","start":113.28,"end":114.24,"sentiment":"neutral","sentiment_score":-0.04569615237414837},{"text":"Right?","start":114.24,"end":114.74,"sentiment":"neutral","sentiment_score":-0.0004839962348341942},{"text":"Yep.","start":120.814995,"end":121.314995,"sentiment":"neutral","sentiment_score":0.0017630842048674822}],"sentiment":"neutral","sentiment_score":0.21742717093244815,"num_words":60,"start":78.78,"end":121.314995},{"sentences":[{"text":"Perfect.","start":123.055,"end":123.555,"sentiment":"positive","sentiment_score":0.4059053063392639},{"text":"Now is there anything in particular that you want me to touch on this year?","start":124.735,"end":128.195,"sentiment":"neutral","sentiment_score":0.06736329173048337},{"text":"Yep.","start":138.27,"end":138.75,"sentiment":"neutral","sentiment_score":0.21525578200817108},{"text":"Absolutely.","start":138.75,"end":139.25,"sentiment":"positive","sentiment_score":0.4252205491065979},{"text":"And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return.","start":139.31,"end":145.875,"sentiment":"positive","sentiment_score":0.5004736144434322}],"sentiment":"neutral","sentiment_score":0.3266812632791698,"num_words":40,"start":123.055,"end":145.875},{"sentences":[{"text":"You're not trying to go to your high risk with it.","start":145.875,"end":147.875,"sentiment":"neutral","sentiment_score":0.16362548822706396},{"text":"Does that sound about right?","start":147.875,"end":149.175,"sentiment":"neutral","sentiment_score":0.14136439710855483},{"text":"Perfect.","start":150.275,"end":150.775,"sentiment":"neutral","sentiment_score":0.25733682513237},{"text":"So, yeah.","start":151.155,"end":159.09,"sentiment":"neutral","sentiment_score":-0.01926583144813776},{"text":"So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk, but a couple of pegs below, And you've got 80 percent, you know, shares property gold.","start":159.09,"end":170.745,"sentiment":"neutral","sentiment_score":0.020534300555785496}],"sentiment":"neutral","sentiment_score":0.05881882199376333,"num_words":61,"start":145.875,"end":170.745},{"sentences":[{"text":"So the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year.","start":170.805,"end":178.985,"sentiment":"neutral","sentiment_score":0.05381144594514009},{"text":"Perfect.","start":181.94,"end":182.42,"sentiment":"positive","sentiment_score":0.437897652387619},{"text":"So you were sitting at, once we consolidated everything, a 176,000.","start":182.42,"end":187.0,"sentiment":"neutral","sentiment_score":0.19894882223822855},{"text":"You're at a hundred and ninety three four nine six.","start":187.06,"end":189.64,"sentiment":"neutral","sentiment_score":0.16026936396956443},{"text":"I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there.","start":190.5,"end":199.295,"sentiment":"neutral","sentiment_score":0.053723567098911316}],"sentiment":"neutral","sentiment_score":0.09047067387545683,"num_words":83,"start":170.805,"end":199.295},{"sentences":[{"text":"We've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year.","start":199.835,"end":211.81,"sentiment":"neutral","sentiment_score":0.019947305615795285},{"text":"So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense.","start":214.35,"end":224.45,"sentiment":"neutral","sentiment_score":0.13890427004338968},{"text":"Yeah.","start":230.455,"end":230.77501,"sentiment":"neutral","sentiment_score":0.06926605850458145},{"text":"Exactly right.","start":230.77501,"end":231.49501,"sentiment":"neutral","sentiment_score":0.0818713502958417},{"text":"So it's like Yes.","start":231.49501,"end":238.89,"sentiment":"neutral","sentiment_score":0.0366739584133029}],"sentiment":"neutral","sentiment_score":0.0757809373791571,"num_words":81,"start":199.835,"end":238.89},{"sentences":[{"text":"I had a little bit of look see at yep.","start":242.15001,"end":246.15001,"sentiment":"neutral","sentiment_score":0.04613774884492159},{"text":"And then from there, the hub.","start":246.15001,"end":247.69,"sentiment":"neutral","sentiment_score":0.03155225391189257},{"text":"That's right.","start":253.925,"end":254.825,"sentiment":"neutral","sentiment_score":0.14780574664473534},{"text":"Yep.","start":266.34,"end":266.84,"sentiment":"neutral","sentiment_score":0.001191395102068782},{"text":"Yeah.","start":295.96997,"end":296.37,"sentiment":"neutral","sentiment_score":-0.006836690008640289}],"sentiment":"neutral","sentiment_score":0.047032860515173525,"num_words":20,"start":242.15001,"end":296.37},{"sentences":[{"text":"Yeah.","start":296.37,"end":296.68997,"sentiment":"neutral","sentiment_score":0.032446153461933136},{"text":"So it's a pretty simple equation for you.","start":296.68997,"end":298.37,"sentiment":"neutral","sentiment_score":0.16851029079407454},{"text":"It's just get better than what you were getting.","start":298.37,"end":300.22998,"sentiment":"neutral","sentiment_score":0.2308831231461631},{"text":"Yeah.","start":319.22998,"end":319.55,"sentiment":"neutral","sentiment_score":-0.07128167152404785},{"text":"It's like you pay the fees to get a result.","start":319.55,"end":321.97,"sentiment":"neutral","sentiment_score":-0.0235416978597641}],"sentiment":"neutral","sentiment_score":0.10868199786235547,"num_words":29,"start":296.37,"end":321.97},{"sentences":[{"text":"Yep.","start":328.605,"end":329.105,"sentiment":"neutral","sentiment_score":0.18272525072097776},{"text":"Yeah.","start":338.78,"end":339.25998,"sentiment":"neutral","sentiment_score":0.16926448047161102},{"text":"And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's what gets you the outcome at the end of the day.","start":339.25998,"end":349.36,"sentiment":"neutral","sentiment_score":0.32632929186026255},{"text":"One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over five years by about 4%.","start":351.125,"end":364.22,"sentiment":"positive","sentiment_score":0.45596750974655154},{"text":"So lower risk, higher returns, lower investment fees.","start":364.44,"end":368.06,"sentiment":"neutral","sentiment_score":0.26883652806282043}],"sentiment":"positive","sentiment_score":0.368292921450403,"num_words":90,"start":328.605,"end":368.06},{"sentences":[{"text":"Yeah.","start":378.615,"end":379.115,"sentiment":"neutral","sentiment_score":0.2384984195232391},{"text":"Yep.","start":405.525,"end":406.025,"sentiment":"neutral","sentiment_score":0.09379278123378754},{"text":"You're pretty well in the middle, to be honest, mate.","start":414.18,"end":416.18,"sentiment":"neutral","sentiment_score":0.10163429565727711},{"text":"Your average balance is a 180 across the firm.","start":416.18,"end":419.62,"sentiment":"neutral","sentiment_score":0.11550079203314251},{"text":"You're just shy of 200, and you've built your base up now where once you build your first 200, that's where you can go from the 200 to the mill.","start":419.62,"end":428.135,"sentiment":"neutral","sentiment_score":0.17925022542476654}],"sentiment":"neutral","sentiment_score":0.15226760879158974,"num_words":51,"start":378.615,"end":428.135},{"sentences":[{"text":"But at some point, I've got to obviously have that conversation with you about risk much, much further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off.","start":428.135,"end":440.16,"sentiment":"neutral","sentiment_score":-0.03493040743782077},{"text":"But you know what I mean?","start":440.16,"end":441.30002,"sentiment":"neutral","sentiment_score":-0.005038336850702763},{"text":"One of the things I wanna broach with you as well, if you don't mind, portfolio is looking really good.","start":442.64,"end":447.92,"sentiment":"neutral","sentiment_score":0.15271642105653882},{"text":"What Carl put you into has been our best performing growth option and especially long term as well.","start":447.92,"end":453.875,"sentiment":"positive","sentiment_score":0.4487185130516688},{"text":"If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on.","start":454.255,"end":471.67,"sentiment":"neutral","sentiment_score":0.26602843527992565}],"sentiment":"neutral","sentiment_score":0.17388251858452955,"num_words":147,"start":428.135,"end":471.67},{"sentences":[{"text":"Would that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side?","start":471.67,"end":477.53,"sentiment":"neutral","sentiment_score":0.1812749147415161},{"text":"Yeah.","start":488.085,"end":488.485,"sentiment":"neutral","sentiment_score":0.0582382008433342},{"text":"Yep.","start":488.485,"end":488.985,"sentiment":"neutral","sentiment_score":0.08708389103412628},{"text":"It's more the signing of the statement of advice.","start":511.07498,"end":513.635,"sentiment":"neutral","sentiment_score":0.062363693283663854},{"text":"So we can send you the document, but you need to go, okay.","start":513.635,"end":516.295,"sentiment":"neutral","sentiment_score":0.07926946591872436}],"sentiment":"neutral","sentiment_score":0.12187719734554942,"num_words":44,"start":471.67,"end":516.295},{"sentences":[{"text":"This to that makes sense in my mind.","start":516.435,"end":518.455,"sentiment":"neutral","sentiment_score":0.12116697337478399},{"text":"Tick.","start":518.66003,"end":519.06,"sentiment":"neutral","sentiment_score":0.08756983280181885},{"text":"Go for it.","start":519.06,"end":520.05,"sentiment":"neutral","sentiment_score":0.15070536732673645},{"text":"I mean, still can.","start":531.71497,"end":532.915,"sentiment":"neutral","sentiment_score":-0.04519251873716712},{"text":"Still can, but pros and cons is handy.","start":532.915,"end":536.69495,"sentiment":"neutral","sentiment_score":-0.013853978831321001}],"sentiment":"neutral","sentiment_score":0.05072582567421099,"num_words":24,"start":516.435,"end":536.69495},{"sentences":[{"text":"Yeah.","start":549.08997,"end":549.49,"sentiment":"neutral","sentiment_score":0.08309629559516907},{"text":"Yep.","start":549.49,"end":549.99,"sentiment":"neutral","sentiment_score":0.09307900071144104},{"text":"Absolutely.","start":552.29,"end":552.79,"sentiment":"neutral","sentiment_score":0.30467772483825684},{"text":"Awesome.","start":565.745,"end":566.225,"sentiment":"positive","sentiment_score":0.6931888461112976},{"text":"And, look, my job is pretty simple.","start":566.225,"end":568.405,"sentiment":"positive","sentiment_score":0.5704687833786011}],"sentiment":"positive","sentiment_score":0.46975666826421564,"num_words":11,"start":549.08997,"end":568.405},{"sentences":[{"text":"It's get you to the retirement goal as smoothly as possible with the best chance possible in a way that's comfortable for you.","start":568.465,"end":576.85,"sentiment":"positive","sentiment_score":0.565812569597493},{"text":"You're not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you or the style of investments.","start":576.91,"end":583.33,"sentiment":"neutral","sentiment_score":-0.1157741066813469},{"text":"Yep.","start":588.155,"end":588.655,"sentiment":"positive","sentiment_score":0.3750892281532288},{"text":"Cool.","start":589.675,"end":590.175,"sentiment":"positive","sentiment_score":0.38753336668014526},{"text":"At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise.","start":590.795,"end":596.975,"sentiment":"positive","sentiment_score":0.36460641703822394}],"sentiment":"neutral","sentiment_score":0.2625458361580968,"num_words":72,"start":568.465,"end":596.975},{"sentences":[{"text":"There is a few things coming down the line that we're keeping an eye on, which is why I'm kind of thinking of that restructure in twelve months' time, which may get us a few switches a little bit quicker for you.","start":597.11005,"end":607.29004,"sentiment":"neutral","sentiment_score":0.05464131393957706},{"text":"Outside of that, can I just quickly check-in terms of circumstances?","start":609.59,"end":613.835,"sentiment":"neutral","sentiment_score":0.05706565928730098},{"text":"You're still earning about a $100, same employer.","start":614.215,"end":617.115,"sentiment":"neutral","sentiment_score":0.021986133535392582},{"text":"Yep.","start":617.735,"end":618.235,"sentiment":"neutral","sentiment_score":0.03022988885641098},{"text":"Three children, Amanda, family changes, Home, car, caravan.","start":619.415,"end":625.98004,"sentiment":"neutral","sentiment_score":0.01916058163624257}],"sentiment":"neutral","sentiment_score":0.046886586397886273,"num_words":70,"start":597.11005,"end":625.98004},{"sentences":[{"text":"Fantastic.","start":628.76,"end":629.26,"sentiment":"positive","sentiment_score":0.4762210547924042},{"text":"And did you actually put a will in place?","start":630.04004,"end":631.88,"sentiment":"neutral","sentiment_score":0.07188931728402774},{"text":"It says that we had a note that you did.","start":631.88,"end":633.58,"sentiment":"neutral","sentiment_score":0.02050129510462284},{"text":"20 40.","start":642.375,"end":643.355,"sentiment":"neutral","sentiment_score":-0.022282279329374433},{"text":"Yep.","start":643.57495,"end":643.975,"sentiment":"neutral","sentiment_score":0.0009546764194965364}],"sentiment":"neutral","sentiment_score":0.055853390398070864,"num_words":23,"start":628.76,"end":643.975},{"sentences":[{"text":"Okay.","start":643.975,"end":644.295,"sentiment":"neutral","sentiment_score":-0.016481854021549225},{"text":"So that's still there, but it might need a bit of an update.","start":644.295,"end":646.71497,"sentiment":"neutral","sentiment_score":-0.06838579963033016},{"text":"K.","start":655.43,"end":655.93,"sentiment":"neutral","sentiment_score":-0.03818820044398308},{"text":"Perfect.","start":664.165,"end":664.665,"sentiment":"neutral","sentiment_score":0.27996712923049927},{"text":"Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney?","start":669.205,"end":674.185,"sentiment":"neutral","sentiment_score":-0.0002711495229353507}],"sentiment":"neutral","sentiment_score":-0.016755647724494338,"num_words":40,"start":643.975,"end":674.185},{"sentences":[{"text":"So if you're in hospital, you can't ask.","start":674.34,"end":676.26,"sentiment":"neutral","sentiment_score":-0.024692170205526054},{"text":"Amanda can talk to the doctors, access the bank accounts.","start":676.26,"end":679.16003,"sentiment":"neutral","sentiment_score":0.0026113511994481087},{"text":"Yep.","start":681.30005,"end":681.80005,"sentiment":"neutral","sentiment_score":0.1979685127735138},{"text":"Perfect.","start":682.10004,"end":682.60004,"sentiment":"positive","sentiment_score":0.5524330139160156},{"text":"Awesome.","start":685.22003,"end":685.72003,"sentiment":"positive","sentiment_score":0.6553759574890137}],"sentiment":"neutral","sentiment_score":0.05877874450137218,"num_words":21,"start":674.34,"end":685.72003},{"sentences":[{"text":"The insurance policy that got kind of cleaned up, so a mill of life and disability insurance.","start":686.66003,"end":693.215,"sentiment":"positive","sentiment_score":0.34979967334691214},{"text":"You've got your income protection, which obviously your income hasn't changed.","start":693.435,"end":696.495,"sentiment":"neutral","sentiment_score":0.17402636530724439},{"text":"Thirty day waiting period, five year benefit.","start":696.955,"end":699.055,"sentiment":"neutral","sentiment_score":0.10689048256192889},{"text":"If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit easier for you.","start":699.435,"end":704.37,"sentiment":"neutral","sentiment_score":0.19653209933528193},{"text":"It's under 2 grands once the 15% rebate comes off of it.","start":705.25,"end":709.51,"sentiment":"neutral","sentiment_score":0.12563927782078585}],"sentiment":"neutral","sentiment_score":0.20842102512314514,"num_words":74,"start":686.66003,"end":709.51},{"sentences":[{"text":"Basically, if you're happy that your circumstances haven't changed, I'll keep an eye on it.","start":709.73,"end":714.21,"sentiment":"neutral","sentiment_score":0.16333804825941722},{"text":"If the prices start skyrocketing, we can shop around, trim it down, whatever you need.","start":714.21,"end":718.755,"sentiment":"neutral","sentiment_score":0.13308020283778507},{"text":"Perfect.","start":721.955,"end":722.355,"sentiment":"positive","sentiment_score":0.36408400535583496},{"text":"The only thing can I send you a bit of an updated beneficiary form to get Amanda listed on the super?","start":722.355,"end":729.655,"sentiment":"neutral","sentiment_score":0.06844695462357431},{"text":"Perfect.","start":731.09,"end":731.37,"sentiment":"neutral","sentiment_score":0.27369844913482666}],"sentiment":"neutral","sentiment_score":0.12304608052912748,"num_words":53,"start":709.73,"end":731.37},{"sentences":[{"text":"You got the how to do Yep.","start":731.37,"end":734.13,"sentiment":"neutral","sentiment_score":0.13380975489105498},{"text":"Well, are you okay to print it out, or would you want me to post it to you?","start":734.13,"end":737.59,"sentiment":"neutral","sentiment_score":0.038721764046284884},{"text":"Sensational.","start":739.49,"end":739.99,"sentiment":"neutral","sentiment_score":0.1418708562850952},{"text":"Easy done.","start":745.26495,"end":745.90497,"sentiment":"positive","sentiment_score":0.3882400542497635},{"text":"Mate, any questions for me so far?","start":745.90497,"end":747.605,"sentiment":"neutral","sentiment_score":0.09520187122481209}],"sentiment":"neutral","sentiment_score":0.09195497429796627,"num_words":35,"start":731.37,"end":747.605},{"sentences":[{"text":"Alright.","start":749.26495,"end":749.665,"sentiment":"neutral","sentiment_score":0.06080709025263786},{"text":"I'll leave that Odoo sign pack with you.","start":749.665,"end":752.305,"sentiment":"neutral","sentiment_score":0.10638828948140144},{"text":"Again, fees are the same, 1.6 5%.","start":752.305,"end":754.94495,"sentiment":"neutral","sentiment_score":0.06050972640514374},{"text":"Happy at 600,000 happy days.","start":754.94495,"end":757.605,"sentiment":"neutral","sentiment_score":0.24817191660404206},{"text":"Outside of that, I'll send that beneficiary forms through to you today as well in a separate email.","start":758.75,"end":763.89,"sentiment":"neutral","sentiment_score":0.17900992867847285}],"sentiment":"neutral","sentiment_score":0.14867999461980966,"num_words":39,"start":749.26495,"end":763.89},{"sentences":[{"text":"Awesome.","start":765.63,"end":766.11005,"sentiment":"positive","sentiment_score":0.8485532999038696},{"text":"Catch you in a little bit.","start":766.11005,"end":767.57,"sentiment":"positive","sentiment_score":0.6409848779439926},{"text":"Thank you.","start":768.43,"end":768.91003,"sentiment":"positive","sentiment_score":0.726191371679306},{"text":"Bye.","start":768.91003,"end":769.17596,"sentiment":"neutral","sentiment_score":-0.1119781658053398}],"sentiment":"positive","sentiment_score":0.6034867145121098,"num_words":10,"start":765.63,"end":769.17596}]}}]},{"alternatives":[{"transcript":"Hello? Good night. Yeah. Come on. How can I help? Yeah. Yep. It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park. Yep. I can do it either. I'll wait. I'll be able to look for about five minutes. Yep. Yep. That's fine. Okay. Thank you. Have a great day. You too. Alright. Sorry about that. Yeah. So he's I've got, yeah, I've got the email. Yeah. He just sent me to Hub twenty four last year away from Netwealth. Basically, similar thing. No. Like, every every super, it's, you know, fees fees down and try and make me as much money as you can. Yep. Yep. High risk is high gain, but at high risk is the risk part. So there is risk that you can piss it away. So Yep. Yep. Pretty much that's exactly it. Yep. Yep. So at the moment, the market average. So I changed from I basically changed from Australian Super and EISS. It was in both of come over to Netwealth originally. Energy Industry Superfund. Yep. And then I went from Netwealth to Hub. So I said I I said I'd stick it out as much as I can. And, like, if it's performing quite super and better than the ISS, then it's worth me being there. But if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two. But if it's performing better than them, then it's worth me being there. But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better. So it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was. Otherwise, why would I be there just to lose money? You know? Then I just get my AGM letter. I don't have any checkups. I don't have to say how I want the money spent. It's just that you guys are a a bigger fund with the one one task of basically being better than the rest. Yes. Yep. Yep. Yep. Yeah. And that's pretty much what it when when I signed up. That was the reason to sign up. The fees were higher, but the returns were higher. So the returns outweighed the extra fees to what you were gonna get charged before. The only difference was that you guys doing your annual checkup. A bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent. So I get that you guys can tailor each one to each point. But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in my sense. Yep. Yep. Yep. Correct. Yep. Sorry. K. Yep. Mhmm. No. I'm not. But once he once he is pretty well enough, like, I don't really need it. If there's anything drastic that happens, I figure you can email me anyway. But you guys are the financial experts so you can see how the market's going. So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you? Or do you have to ring to that at the moment? Yeah. Well, I figure you guys are gonna explain the pros. What this is to what because these are any advisers. So that's a if you do lose it, they'll come and hunt you down pretty much. Still can, but but that's that's why. Like, I'm in this I'm in a similar position running a Caribbean dealership. I can point people into which van's gonna suit. If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess. That's your field. This is my field. So for me, I know everything about what I have to do here. No different for you guys doing your job. I'd like to think that you know what you're doing with the area that you're working in. So I'm just going with what you guys recommend. And yeah. Yep. Yep. Appreciate it. No. Otherwise yeah. I'm happy, mate. From outperforming the other two where I was, then it's worth being there. So we can ask. Yep. Yep. Mhmm. Yep. Oh, sounds fantastic. Yeah. About that. Yep. Yep. Yep. Yep. No. Identical. Probably. Well, I should have had a wheel. I probably should have had a wheel review. I've had a wheel since 2014 when I lost my son. Yeah. I've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months ago. It's the only thing I've gotta change. I've made everything still the same. It's just gonna change address that I own. Other than that, everything else in the world is the same. I don't know. It goes to Amanda. Everything yeah. It doesn't none of that changes. So Yeah. As far as I know as far as I know, we've already done that with the wheel. Alright. I'll have to I'll have to double check that with my solicitor. Yep. Yep. Yep. Yep. Yep. Yep. No. I'm happy with all that. That still sounds good still. Still still still working. Yep. Mhmm. Yep. Email to me. I'll get it signed today. I'm back to you today. No. I'll just print it out now. Yeah. Just send me an email. I'll get it printed printed while I'm at work. I'll get it assigned it. I'll go witness here so I can get it all done today. Not not AG. Yep. Yep. Yep. Perfect. Nope. Oh, sounds great. Thanks, man. So yeah. Bye.","confidence":0.9892578,"words":[{"word":"hello","start":0.48,"end":0.98,"confidence":0.97509766,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.05027693137526512},{"word":"good","start":6.3199997,"end":6.48,"confidence":0.59228516,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4995350539684296},{"word":"night","start":6.48,"end":6.98,"confidence":0.85302734,"punctuated_word":"night.","sentiment":"positive","sentiment_score":0.5332789421081543},{"word":"yeah","start":10.8,"end":11.2,"confidence":0.9470215,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27948904037475586},{"word":"come","start":11.2,"end":11.36,"confidence":0.34350586,"punctuated_word":"Come","sentiment":"neutral","sentiment_score":0.23000815510749817},{"word":"on","start":11.36,"end":11.679999,"confidence":0.9675293,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.21879029273986816},{"word":"how","start":11.679999,"end":11.84,"confidence":0.9838867,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2485339343547821},{"word":"can","start":11.84,"end":12.08,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23624306917190552},{"word":"i","start":12.08,"end":12.16,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20617830753326416},{"word":"help","start":12.16,"end":12.66,"confidence":1.0,"punctuated_word":"help?","sentiment":"neutral","sentiment_score":0.2201898097991943},{"word":"yeah","start":17.994999,"end":18.494999,"confidence":0.8703613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2659544348716736},{"word":"yep","start":28.59,"end":29.09,"confidence":0.98168945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17063698172569275},{"word":"it's","start":40.665,"end":41.165,"confidence":0.795166,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.009517883881926537},{"word":"8","start":41.945,"end":42.265,"confidence":0.79248047,"punctuated_word":"8","sentiment":"neutral","sentiment_score":0.009699606336653233},{"word":"of","start":42.265,"end":42.505,"confidence":0.40600586,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.011044537648558617},{"word":"the","start":42.505,"end":42.745003,"confidence":0.90625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.00917549803853035},{"word":"2nd","start":42.745003,"end":43.145,"confidence":0.984375,"punctuated_word":"2nd","sentiment":"neutral","sentiment_score":0.013675865717232227},{"word":"199014","start":43.145,"end":44.665,"confidence":0.90934247,"punctuated_word":"199014","sentiment":"neutral","sentiment_score":0.022112207487225533},{"word":"grayson","start":44.665,"end":45.145,"confidence":0.39868164,"punctuated_word":"Grayson,","sentiment":"neutral","sentiment_score":0.03412343189120293},{"word":"2nd","start":45.145,"end":45.465,"confidence":0.8305664,"punctuated_word":"2nd","sentiment":"neutral","sentiment_score":0.05515511333942413},{"word":"cameron","start":45.465,"end":45.865,"confidence":0.86279297,"punctuated_word":"Cameron","sentiment":"neutral","sentiment_score":0.04877636209130287},{"word":"park","start":45.865,"end":46.365,"confidence":0.9951172,"punctuated_word":"Park.","sentiment":"neutral","sentiment_score":0.04596980661153793},{"word":"yep","start":54.83,"end":55.33,"confidence":0.78808594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1509893536567688},{"word":"i","start":60.99,"end":61.15,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04594101756811142},{"word":"can","start":61.15,"end":61.55,"confidence":0.9707031,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026989204809069633},{"word":"do","start":61.55,"end":61.75,"confidence":0.9550781,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02176285907626152},{"word":"it","start":61.75,"end":61.95,"confidence":0.6411133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.024385225027799606},{"word":"either","start":61.95,"end":62.45,"confidence":0.9831543,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":0.032341234385967255},{"word":"i'll","start":63.23,"end":63.39,"confidence":0.80908203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05889999121427536},{"word":"wait","start":63.39,"end":63.71,"confidence":0.6665039,"punctuated_word":"wait.","sentiment":"neutral","sentiment_score":0.05492103099822998},{"word":"i'll","start":63.71,"end":63.87,"confidence":0.7631836,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.057720720767974854},{"word":"be","start":63.87,"end":64.03,"confidence":0.81933594,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06750662624835968},{"word":"able","start":64.03,"end":64.270004,"confidence":0.8305664,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07337165623903275},{"word":"to","start":64.270004,"end":64.35,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06511779129505157},{"word":"look","start":64.35,"end":64.59,"confidence":0.97802734,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05651371926069259},{"word":"for","start":64.59,"end":64.83,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04295510798692703},{"word":"about","start":64.83,"end":65.15,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04867877438664436},{"word":"five","start":65.15,"end":65.47,"confidence":0.9760742,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.07269585132598877},{"word":"minutes","start":65.47,"end":65.97,"confidence":0.99609375,"punctuated_word":"minutes.","sentiment":"neutral","sentiment_score":0.07330737262964249},{"word":"yep","start":76.645004,"end":77.125,"confidence":0.93969727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11151047796010972},{"word":"yep","start":77.125,"end":77.365005,"confidence":0.9328613,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13923077285289764},{"word":"that's","start":77.365005,"end":77.685005,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.30510857701301575},{"word":"fine","start":77.685005,"end":78.185005,"confidence":0.9875488,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3641294240951538},{"word":"okay","start":108.46,"end":108.700005,"confidence":0.6501465,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2704576253890991},{"word":"thank","start":108.700005,"end":108.94,"confidence":0.97802734,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.47846537828445435},{"word":"you","start":108.94,"end":109.18,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4458446502685547},{"word":"have","start":109.18,"end":109.3,"confidence":0.9819336,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.5654761791229248},{"word":"a","start":109.3,"end":109.420006,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.567898690700531},{"word":"great","start":109.420006,"end":109.58,"confidence":0.99609375,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5635284185409546},{"word":"day","start":109.58,"end":109.82,"confidence":0.99609375,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.5783867835998535},{"word":"you","start":109.82,"end":109.9,"confidence":0.76660156,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.22415675222873688},{"word":"too","start":109.9,"end":110.4,"confidence":0.9980469,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.18992765247821808},{"word":"alright","start":111.18,"end":111.68,"confidence":0.61328125,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.04442635923624039},{"word":"sorry","start":111.82,"end":112.14,"confidence":0.9038086,"punctuated_word":"Sorry","sentiment":"neutral","sentiment_score":-0.06850914657115936},{"word":"about","start":112.14,"end":112.380005,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07094065845012665},{"word":"that","start":112.380005,"end":112.880005,"confidence":0.9902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.043964821845293045},{"word":"yeah","start":113.340004,"end":113.66,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04942157492041588},{"word":"so","start":113.66,"end":113.98,"confidence":0.72802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06614787131547928},{"word":"he's","start":113.98,"end":114.3,"confidence":0.94506836,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.048115335404872894},{"word":"i've","start":114.46,"end":114.62,"confidence":0.9875488,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0003711283206939697},{"word":"got","start":114.62,"end":114.94,"confidence":0.7976074,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.007370389997959137},{"word":"yeah","start":114.94,"end":115.18,"confidence":0.9628906,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.01523157674819231},{"word":"i've","start":115.18,"end":115.26,"confidence":0.9873047,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.019283097237348557},{"word":"got","start":115.26,"end":115.5,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.022335831075906754},{"word":"the","start":115.5,"end":115.740005,"confidence":0.8935547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0155593603849411},{"word":"email","start":115.740005,"end":116.14,"confidence":0.85302734,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.005714567378163338},{"word":"yeah","start":116.14,"end":116.3,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020290793851017952},{"word":"he","start":116.3,"end":116.54,"confidence":0.9453125,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.023003745824098587},{"word":"just","start":116.54,"end":116.78,"confidence":0.72802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.028420232236385345},{"word":"sent","start":116.78,"end":116.94,"confidence":0.7392578,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.019512606784701347},{"word":"me","start":116.94,"end":117.44,"confidence":0.9892578,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02197437919676304},{"word":"to","start":117.740005,"end":117.98,"confidence":0.31079102,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013628292828798294},{"word":"hub","start":117.98,"end":118.22,"confidence":0.8251953,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.04161484539508819},{"word":"twenty","start":118.22,"end":118.62,"confidence":0.94628906,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.029950706288218495},{"word":"four","start":118.62,"end":119.12,"confidence":0.9951172,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.020877908915281296},{"word":"last","start":119.26,"end":119.5,"confidence":0.9902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.031731296330690384},{"word":"year","start":119.5,"end":120.0,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.02766878716647625},{"word":"away","start":120.86,"end":121.18,"confidence":0.9370117,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.04787464812397957},{"word":"from","start":121.18,"end":121.42,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0843195766210556},{"word":"netwealth","start":121.42,"end":121.92,"confidence":0.92545575,"punctuated_word":"Netwealth.","sentiment":"neutral","sentiment_score":-0.08381564170122147},{"word":"basically","start":125.924995,"end":126.405,"confidence":0.7993164,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.038455963134765625},{"word":"similar","start":126.405,"end":126.884995,"confidence":0.9291992,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.02475874125957489},{"word":"thing","start":126.884995,"end":127.384995,"confidence":0.8334961,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.07450252771377563},{"word":"no","start":130.64499,"end":131.125,"confidence":0.75439453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05233416706323624},{"word":"like","start":131.125,"end":131.36499,"confidence":0.7858887,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.01929931528866291},{"word":"every","start":131.36499,"end":131.86499,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.024420101195573807},{"word":"every","start":132.00499,"end":132.405,"confidence":0.9838867,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.022925086319446564},{"word":"super","start":132.405,"end":132.905,"confidence":0.72229004,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.0036071985960006714},{"word":"it's","start":133.205,"end":133.36499,"confidence":0.8411458,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.016011647880077362},{"word":"you","start":133.36499,"end":133.525,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006994418799877167},{"word":"know","start":133.525,"end":133.845,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.001001572236418724},{"word":"fees","start":133.845,"end":134.245,"confidence":0.22070312,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.019922710955142975},{"word":"fees","start":134.245,"end":134.72499,"confidence":0.78564453,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.01351340115070343},{"word":"down","start":134.72499,"end":135.125,"confidence":0.96972656,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03381768614053726},{"word":"and","start":135.125,"end":135.36499,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0055068135261535645},{"word":"try","start":135.36499,"end":135.605,"confidence":0.84228516,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.01595025509595871},{"word":"and","start":135.605,"end":135.765,"confidence":0.9091797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029970943927764893},{"word":"make","start":135.765,"end":135.925,"confidence":0.98828125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.006811678409576416},{"word":"me","start":135.925,"end":136.08499,"confidence":0.95703125,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01307983696460724},{"word":"as","start":136.08499,"end":136.245,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09739702194929124},{"word":"much","start":136.245,"end":136.485,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07882679253816605},{"word":"money","start":136.485,"end":136.72499,"confidence":0.99609375,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.03620655834674835},{"word":"as","start":136.72499,"end":136.885,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05227081477642059},{"word":"you","start":136.885,"end":137.125,"confidence":0.6879883,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020360030233860016},{"word":"can","start":137.125,"end":137.625,"confidence":0.96875,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.015389874577522278},{"word":"yep","start":148.88,"end":149.38,"confidence":0.95581055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08585436642169952},{"word":"yep","start":150.08,"end":150.58,"confidence":0.9379883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11977849900722504},{"word":"high","start":150.99501,"end":151.235,"confidence":0.89453125,"punctuated_word":"High","sentiment":"neutral","sentiment_score":0.013033375144004822},{"word":"risk","start":151.235,"end":151.63501,"confidence":0.9980469,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.04092739522457123},{"word":"is","start":151.63501,"end":151.875,"confidence":0.37036133,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04736974835395813},{"word":"high","start":151.875,"end":152.195,"confidence":0.8911133,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.04160325229167938},{"word":"gain","start":152.195,"end":152.515,"confidence":0.8156738,"punctuated_word":"gain,","sentiment":"neutral","sentiment_score":-0.042648449540138245},{"word":"but","start":152.515,"end":152.835,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06282294541597366},{"word":"at","start":152.835,"end":152.99501,"confidence":0.6274414,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16821375489234924},{"word":"high","start":152.99501,"end":153.235,"confidence":0.9707031,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.22013422846794128},{"word":"risk","start":153.235,"end":153.63501,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.1629134565591812},{"word":"is","start":153.63501,"end":153.875,"confidence":0.9404297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.14095371961593628},{"word":"the","start":153.875,"end":154.035,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12730121612548828},{"word":"risk","start":154.035,"end":154.435,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.20029889047145844},{"word":"part","start":154.435,"end":154.755,"confidence":0.8781738,"punctuated_word":"part.","sentiment":"neutral","sentiment_score":-0.15610967576503754},{"word":"so","start":154.755,"end":154.995,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2437200099229813},{"word":"there","start":154.995,"end":155.235,"confidence":0.9902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.28692781925201416},{"word":"is","start":155.235,"end":155.475,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.27060991525650024},{"word":"risk","start":155.475,"end":155.715,"confidence":0.98095703,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3435644507408142},{"word":"that","start":155.715,"end":156.215,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.32979530096054077},{"word":"you","start":156.595,"end":156.675,"confidence":0.98535156,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.41331228613853455},{"word":"can","start":156.675,"end":156.91501,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.33668452501296997},{"word":"piss","start":156.91501,"end":157.155,"confidence":0.69677734,"punctuated_word":"piss","sentiment":"negative","sentiment_score":-0.44193196296691895},{"word":"it","start":157.155,"end":157.315,"confidence":0.7944336,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.36378660798072815},{"word":"away","start":157.315,"end":157.63501,"confidence":0.93847656,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.2829967737197876},{"word":"so","start":157.63501,"end":158.13501,"confidence":0.9428711,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04352063313126564},{"word":"yep","start":165.95001,"end":166.45001,"confidence":0.9916992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029577702283859253},{"word":"yep","start":168.43001,"end":168.93001,"confidence":0.87109375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.048166461288928986},{"word":"pretty","start":179.605,"end":179.845,"confidence":0.9980469,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.2985284626483917},{"word":"much","start":179.845,"end":180.165,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2117406874895096},{"word":"that's","start":180.165,"end":180.405,"confidence":0.71240234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23556262254714969},{"word":"exactly","start":180.405,"end":180.885,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.27520421147346497},{"word":"it","start":180.885,"end":181.385,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2410176396369934},{"word":"yep","start":213.27501,"end":213.77501,"confidence":0.94433594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08444517105817795},{"word":"yep","start":225.84001,"end":226.32,"confidence":0.7709961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05409136041998863},{"word":"so","start":226.32,"end":226.56,"confidence":0.93115234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013558316975831984},{"word":"at","start":226.56,"end":226.64,"confidence":0.92822266,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0018768124282360077},{"word":"the","start":226.64,"end":226.72,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005654521286487579},{"word":"moment","start":226.72,"end":227.22,"confidence":0.890625,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.01018536277115345},{"word":"the","start":228.48001,"end":228.56,"confidence":0.7319336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001639634370803833},{"word":"market","start":228.56,"end":228.96,"confidence":0.9970703,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.01451835036277771},{"word":"average","start":228.96,"end":229.46,"confidence":0.74560547,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":-0.007771691307425499},{"word":"so","start":231.44,"end":231.6,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01987742818892002},{"word":"i","start":231.6,"end":231.76001,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02374492958188057},{"word":"changed","start":231.76001,"end":232.16,"confidence":0.96533203,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.017319338396191597},{"word":"from","start":232.16,"end":232.32,"confidence":0.99316406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.021382179111242294},{"word":"i","start":232.48001,"end":232.64,"confidence":0.94384766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03307532146573067},{"word":"basically","start":232.64,"end":233.14,"confidence":0.97509766,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.023100856691598892},{"word":"changed","start":233.20001,"end":233.6,"confidence":0.99121094,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.024465713649988174},{"word":"from","start":233.6,"end":234.1,"confidence":0.9941406,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.029586659744381905},{"word":"australian","start":234.925,"end":235.425,"confidence":0.6430664,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.034149572253227234},{"word":"super","start":235.485,"end":235.985,"confidence":0.65625,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.04356522113084793},{"word":"and","start":236.445,"end":236.685,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03458963334560394},{"word":"eiss","start":236.685,"end":237.185,"confidence":0.78759766,"punctuated_word":"EISS.","sentiment":"neutral","sentiment_score":0.0295223630964756},{"word":"it","start":239.88501,"end":239.965,"confidence":0.41186523,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.06728238612413406},{"word":"was","start":239.965,"end":240.205,"confidence":0.5605469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04295485466718674},{"word":"in","start":240.205,"end":240.365,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.042855702340602875},{"word":"both","start":240.365,"end":240.60501,"confidence":0.9506836,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.07056055217981339},{"word":"of","start":240.60501,"end":241.10501,"confidence":0.8510742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05917638540267944},{"word":"come","start":243.24501,"end":243.485,"confidence":0.5317383,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.027857359498739243},{"word":"over","start":243.485,"end":243.725,"confidence":0.9863281,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04584483802318573},{"word":"to","start":243.725,"end":243.80501,"confidence":0.9116211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030312418937683105},{"word":"netwealth","start":243.80501,"end":244.30501,"confidence":0.91503906,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.029428690671920776},{"word":"originally","start":244.365,"end":244.865,"confidence":0.76123047,"punctuated_word":"originally.","sentiment":"neutral","sentiment_score":0.03238557651638985},{"word":"energy","start":246.285,"end":246.765,"confidence":0.9838867,"punctuated_word":"Energy","sentiment":"neutral","sentiment_score":0.034596849232912064},{"word":"industry","start":246.765,"end":247.265,"confidence":0.60546875,"punctuated_word":"Industry","sentiment":"neutral","sentiment_score":0.02700359746813774},{"word":"superfund","start":247.325,"end":247.825,"confidence":0.8680013,"punctuated_word":"Superfund.","sentiment":"neutral","sentiment_score":0.06317789852619171},{"word":"yep","start":249.1,"end":249.5,"confidence":0.90185547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09975087642669678},{"word":"and","start":249.5,"end":249.66,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06139865145087242},{"word":"then","start":249.66,"end":249.82,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06375855952501297},{"word":"i","start":249.82,"end":249.98,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0611417330801487},{"word":"went","start":249.98,"end":250.22,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.0657721757888794},{"word":"from","start":250.22,"end":250.72,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05969305336475372},{"word":"netwealth","start":250.78,"end":251.28,"confidence":0.8173828,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.04752058535814285},{"word":"to","start":251.9,"end":252.14,"confidence":0.9667969,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05457440763711929},{"word":"hub","start":252.14,"end":252.64,"confidence":0.6989746,"punctuated_word":"Hub.","sentiment":"neutral","sentiment_score":0.06110025942325592},{"word":"so","start":253.98,"end":254.48,"confidence":0.82177734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12686987221240997},{"word":"i","start":254.86,"end":255.1,"confidence":0.9448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.173116996884346},{"word":"said","start":255.1,"end":255.34,"confidence":0.44360352,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.16802552342414856},{"word":"i","start":255.34,"end":255.58,"confidence":0.9370117,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1612844467163086},{"word":"i","start":255.58,"end":255.66,"confidence":0.65771484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17535129189491272},{"word":"said","start":255.66,"end":255.9,"confidence":0.9741211,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.1952676624059677},{"word":"i'd","start":255.9,"end":256.14,"confidence":0.9758301,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.2797129154205322},{"word":"stick","start":256.14,"end":256.38,"confidence":0.9199219,"punctuated_word":"stick","sentiment":"neutral","sentiment_score":0.3056766986846924},{"word":"it","start":256.38,"end":256.54,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30965831875801086},{"word":"out","start":256.54,"end":257.02,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2753995656967163},{"word":"as","start":257.02,"end":257.1,"confidence":0.9404297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.317096084356308},{"word":"much","start":257.1,"end":257.42,"confidence":0.6123047,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3436320722103119},{"word":"as","start":257.42,"end":257.5,"confidence":0.9790039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.31150418519973755},{"word":"i","start":257.5,"end":257.66,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3386717438697815},{"word":"can","start":257.66,"end":258.16,"confidence":0.8041992,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.3018667697906494},{"word":"and","start":258.54,"end":258.86,"confidence":0.73168945,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.266168475151062},{"word":"like","start":258.86,"end":259.1,"confidence":0.8874512,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27773135900497437},{"word":"if","start":259.1,"end":259.26,"confidence":0.98828125,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4596969485282898},{"word":"it's","start":259.26,"end":259.58,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4304904639720917},{"word":"performing","start":259.58,"end":260.08,"confidence":0.9970703,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.3076944947242737},{"word":"quite","start":260.86,"end":261.34,"confidence":0.10845947,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4194541871547699},{"word":"super","start":261.34,"end":261.74,"confidence":0.41992188,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.5116366147994995},{"word":"and","start":261.74,"end":261.9,"confidence":0.98291016,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3932641446590424},{"word":"better","start":261.9,"end":262.22,"confidence":0.99902344,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3707275986671448},{"word":"than","start":262.22,"end":262.38,"confidence":0.9941406,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.3848930597305298},{"word":"the","start":262.38,"end":262.62,"confidence":0.5913086,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3537980020046234},{"word":"iss","start":262.62,"end":263.12,"confidence":0.94921875,"punctuated_word":"ISS,","sentiment":"neutral","sentiment_score":0.29094237089157104},{"word":"then","start":263.815,"end":264.055,"confidence":1.0,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3980686366558075},{"word":"it's","start":264.055,"end":264.135,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3614489734172821},{"word":"worth","start":264.135,"end":264.535,"confidence":0.9428711,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2204819619655609},{"word":"me","start":264.535,"end":264.695,"confidence":0.41333008,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2791250944137573},{"word":"being","start":264.695,"end":264.935,"confidence":0.6958008,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.29107004404067993},{"word":"there","start":264.935,"end":265.435,"confidence":0.9523926,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2531186640262604},{"word":"but","start":265.735,"end":266.235,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.007600940763950348},{"word":"if","start":266.375,"end":266.615,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1594974845647812},{"word":"it","start":266.615,"end":266.695,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1627880334854126},{"word":"doesn't","start":266.695,"end":267.01498,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.2042083442211151},{"word":"perform","start":267.01498,"end":267.51498,"confidence":1.0,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":-0.2067792117595673},{"word":"as","start":267.655,"end":267.895,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.21334686875343323},{"word":"good","start":267.895,"end":268.215,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.20861965417861936},{"word":"there","start":268.615,"end":268.855,"confidence":0.9902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.3284115195274353},{"word":"are","start":268.855,"end":269.095,"confidence":0.99902344,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.44883993268013},{"word":"higher","start":269.095,"end":269.495,"confidence":0.52978516,"punctuated_word":"higher","sentiment":"negative","sentiment_score":-0.4562124907970429},{"word":"fees","start":269.495,"end":269.995,"confidence":0.8334961,"punctuated_word":"fees,","sentiment":"negative","sentiment_score":-0.45221585035324097},{"word":"and","start":270.135,"end":270.635,"confidence":0.9892578,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.421358585357666},{"word":"it","start":271.01498,"end":271.175,"confidence":0.8388672,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3808275163173675},{"word":"is","start":271.175,"end":271.655,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3677249252796173},{"word":"it","start":271.655,"end":271.895,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.324558287858963},{"word":"is","start":271.895,"end":272.395,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3288515508174896},{"word":"a","start":273.01498,"end":273.055,"confidence":0.44555664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2970621883869171},{"word":"in","start":273.095,"end":273.335,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26175203919410706},{"word":"relation","start":273.335,"end":273.815,"confidence":0.99902344,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":-0.16219374537467957},{"word":"to","start":273.815,"end":273.975,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2578738331794739},{"word":"those","start":273.975,"end":274.375,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.2673823833465576},{"word":"two","start":274.375,"end":274.875,"confidence":0.98999023,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.3024464249610901},{"word":"it","start":275.175,"end":275.335,"confidence":0.8598633,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24805483222007751},{"word":"is","start":275.335,"end":275.495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2904723584651947},{"word":"a","start":275.495,"end":275.655,"confidence":0.9951172,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3533395528793335},{"word":"no","start":275.655,"end":275.895,"confidence":0.95947266,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.3780708312988281},{"word":"name","start":275.895,"end":276.215,"confidence":0.9892578,"punctuated_word":"name","sentiment":"negative","sentiment_score":-0.4597078859806061},{"word":"fund","start":276.215,"end":276.715,"confidence":0.99902344,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.4064326286315918},{"word":"compared","start":277.01498,"end":277.415,"confidence":0.9951172,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.3309711217880249},{"word":"to","start":277.415,"end":277.575,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25289472937583923},{"word":"those","start":277.575,"end":277.895,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.28515172004699707},{"word":"two","start":277.895,"end":278.31,"confidence":0.8852539,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.3214252293109894},{"word":"but","start":278.55,"end":279.05,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1746581643819809},{"word":"if","start":280.63,"end":280.87,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04483344405889511},{"word":"it's","start":280.87,"end":281.19,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06386743485927582},{"word":"performing","start":281.19,"end":281.59,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.057896241545677185},{"word":"better","start":281.59,"end":281.99,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.15668649971485138},{"word":"than","start":281.99,"end":282.15,"confidence":0.9941406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0926208794116974},{"word":"them","start":282.15,"end":282.65,"confidence":0.9921875,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.02205437421798706},{"word":"then","start":283.19,"end":283.43,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.105909064412117},{"word":"it's","start":283.43,"end":283.59,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.007952287793159485},{"word":"worth","start":283.59,"end":283.83,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.08653624355792999},{"word":"me","start":283.83,"end":283.99,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08304376900196075},{"word":"being","start":283.99,"end":284.31,"confidence":0.9970703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.06329016387462616},{"word":"there","start":284.31,"end":284.79,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.13449588418006897},{"word":"but","start":284.79,"end":285.03,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.28943294286727905},{"word":"if","start":285.03,"end":285.19,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5077159404754639},{"word":"it's","start":285.19,"end":285.43,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5342912077903748},{"word":"not","start":285.43,"end":285.59,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5592572689056396},{"word":"performing","start":285.59,"end":286.09,"confidence":1.0,"punctuated_word":"performing","sentiment":"negative","sentiment_score":-0.4752626121044159},{"word":"as","start":286.47,"end":286.63,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5516234040260315},{"word":"good","start":286.63,"end":286.87,"confidence":1.0,"punctuated_word":"good","sentiment":"negative","sentiment_score":-0.45710211992263794},{"word":"as","start":286.87,"end":286.95,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.466987669467926},{"word":"them","start":286.95,"end":287.45,"confidence":0.9995117,"punctuated_word":"them,","sentiment":"negative","sentiment_score":-0.4652748703956604},{"word":"there's","start":288.31,"end":288.81,"confidence":0.98950195,"punctuated_word":"there's","sentiment":"negative","sentiment_score":-0.6201809644699097},{"word":"no","start":289.11,"end":289.27,"confidence":0.9980469,"punctuated_word":"no","sentiment":"negative","sentiment_score":-0.601475715637207},{"word":"point","start":289.27,"end":289.51,"confidence":0.99902344,"punctuated_word":"point","sentiment":"negative","sentiment_score":-0.5696898102760315},{"word":"in","start":289.51,"end":289.66998,"confidence":0.97509766,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5304831862449646},{"word":"me","start":289.66998,"end":289.83,"confidence":0.9980469,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.45224103331565857},{"word":"staying","start":289.83,"end":290.23,"confidence":0.9970703,"punctuated_word":"staying","sentiment":"negative","sentiment_score":-0.44755709171295166},{"word":"with","start":290.23,"end":290.73,"confidence":0.99902344,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4502614140510559},{"word":"hub","start":291.35498,"end":291.595,"confidence":0.65625,"punctuated_word":"Hub","sentiment":"negative","sentiment_score":-0.3654819130897522},{"word":"twenty","start":291.595,"end":291.995,"confidence":0.8574219,"punctuated_word":"twenty","sentiment":"negative","sentiment_score":-0.4449938237667084},{"word":"four","start":291.995,"end":292.395,"confidence":0.99902344,"punctuated_word":"four","sentiment":"negative","sentiment_score":-0.3692518472671509},{"word":"or","start":292.395,"end":292.63498,"confidence":0.96435547,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.3606866598129273},{"word":"netwealth","start":292.63498,"end":293.13498,"confidence":0.89819336,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":-0.2647373080253601},{"word":"if","start":293.91498,"end":294.41498,"confidence":0.97509766,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.5035319328308105},{"word":"they're","start":294.63498,"end":294.79498,"confidence":0.99072266,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.4925767183303833},{"word":"gonna","start":294.79498,"end":295.115,"confidence":0.890625,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.49552908539772034},{"word":"be","start":295.115,"end":295.19498,"confidence":0.7626953,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4310053884983063},{"word":"better","start":295.19498,"end":295.69498,"confidence":0.9970703,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":-0.3209621012210846},{"word":"so","start":296.235,"end":296.735,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.015140198171138763},{"word":"it's","start":300.715,"end":300.875,"confidence":0.8273926,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17725643515586853},{"word":"pretty","start":300.875,"end":301.19498,"confidence":0.8618164,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1939786821603775},{"word":"much","start":301.19498,"end":301.69498,"confidence":0.71569824,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":0.19106203317642212},{"word":"like","start":301.75497,"end":302.25497,"confidence":0.93481445,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.16894376277923584},{"word":"if","start":302.63498,"end":302.875,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19992104172706604},{"word":"you","start":302.875,"end":303.03497,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13573811948299408},{"word":"were","start":303.03497,"end":303.275,"confidence":0.4482422,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1698799729347229},{"word":"me","start":303.275,"end":303.51498,"confidence":0.98291016,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1492418348789215},{"word":"and","start":303.51498,"end":303.75497,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15059077739715576},{"word":"you're","start":303.75497,"end":303.995,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1689079999923706},{"word":"trusting","start":303.995,"end":304.47498,"confidence":0.9980469,"punctuated_word":"trusting","sentiment":"neutral","sentiment_score":0.1753622591495514},{"word":"someone","start":304.47498,"end":304.97498,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.2590666115283966},{"word":"to","start":305.03497,"end":305.53497,"confidence":0.8833008,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.164884552359581},{"word":"you","start":305.84,"end":306.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1036597490310669},{"word":"know","start":306.0,"end":306.24002,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10138256847858428},{"word":"play","start":306.24002,"end":306.56,"confidence":0.99902344,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.13753823935985565},{"word":"the","start":306.56,"end":306.72,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14498783648014069},{"word":"share","start":306.72,"end":307.04,"confidence":0.9970703,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.16873683035373688},{"word":"market","start":307.04,"end":307.54,"confidence":0.99609375,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.1666916012763977},{"word":"with","start":308.24002,"end":308.64,"confidence":0.96875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15171661972999573},{"word":"financial","start":308.64,"end":309.14,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0818425640463829},{"word":"advisers","start":309.2,"end":309.6,"confidence":0.82910156,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.11116721481084824},{"word":"and","start":309.6,"end":309.84,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17389309406280518},{"word":"all","start":309.84,"end":309.92,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11260421574115752},{"word":"the","start":309.92,"end":310.0,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1193644553422928},{"word":"rest","start":310.0,"end":310.24002,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.06395824998617172},{"word":"of","start":310.24002,"end":310.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15269246697425842},{"word":"it","start":310.32,"end":310.82,"confidence":0.97094727,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.09148524701595306},{"word":"you","start":311.76,"end":311.92,"confidence":0.9580078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.055665820837020874},{"word":"know","start":311.92,"end":312.42,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.056722093373537064},{"word":"the","start":312.56,"end":312.80002,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04133810102939606},{"word":"benefit","start":312.80002,"end":313.30002,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.13205823302268982},{"word":"the","start":313.6,"end":313.76,"confidence":0.8989258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025275126099586487},{"word":"benefit","start":313.76,"end":314.16,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.10144908726215364},{"word":"needs","start":314.16,"end":314.48,"confidence":0.99902344,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.0129595547914505},{"word":"to","start":314.48,"end":314.98,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017390534281730652},{"word":"outweigh","start":315.2,"end":315.6,"confidence":0.8833008,"punctuated_word":"outweigh","sentiment":"neutral","sentiment_score":0.09722231328487396},{"word":"where","start":315.6,"end":315.84,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.0685981810092926},{"word":"i","start":315.84,"end":315.92,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09667978435754776},{"word":"was","start":315.92,"end":316.40002,"confidence":0.97753906,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":-0.07227224111557007},{"word":"otherwise","start":316.40002,"end":316.88,"confidence":0.99902344,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":-0.2247494012117386},{"word":"why","start":316.88,"end":317.04,"confidence":0.9902344,"punctuated_word":"why","sentiment":"negative","sentiment_score":-0.4080321192741394},{"word":"would","start":317.04,"end":317.2,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.32602381706237793},{"word":"i","start":317.2,"end":317.36002,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.274444043636322},{"word":"be","start":317.36002,"end":317.52002,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3465072214603424},{"word":"there","start":317.52002,"end":317.68002,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.3018363416194916},{"word":"just","start":317.68002,"end":317.84,"confidence":0.94970703,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.40095895528793335},{"word":"to","start":317.84,"end":318.0,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4230053722858429},{"word":"lose","start":318.0,"end":318.24002,"confidence":1.0,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.460265576839447},{"word":"money","start":318.24002,"end":318.74002,"confidence":0.9506836,"punctuated_word":"money?","sentiment":"neutral","sentiment_score":-0.3242514729499817},{"word":"you","start":320.52502,"end":320.605,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.02368880808353424},{"word":"know","start":320.605,"end":321.105,"confidence":0.9406738,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.009649686515331268},{"word":"then","start":321.80502,"end":321.96503,"confidence":0.9951172,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.016401931643486023},{"word":"i","start":321.96503,"end":322.125,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02296413481235504},{"word":"just","start":322.125,"end":322.285,"confidence":0.87597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04415568336844444},{"word":"get","start":322.285,"end":322.445,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06355847418308258},{"word":"my","start":322.445,"end":322.92502,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03028121590614319},{"word":"agm","start":322.92502,"end":323.42502,"confidence":0.98657227,"punctuated_word":"AGM","sentiment":"neutral","sentiment_score":0.03569608926773071},{"word":"letter","start":323.48502,"end":323.98502,"confidence":0.98291016,"punctuated_word":"letter.","sentiment":"neutral","sentiment_score":0.04386313259601593},{"word":"i","start":324.36502,"end":324.445,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021019697189331055},{"word":"don't","start":324.445,"end":324.765,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02166818641126156},{"word":"have","start":324.765,"end":325.08502,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.019846856594085693},{"word":"any","start":325.08502,"end":325.40503,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.045625753700733185},{"word":"checkups","start":325.40503,"end":325.885,"confidence":0.87939453,"punctuated_word":"checkups.","sentiment":"neutral","sentiment_score":-0.05431809276342392},{"word":"i","start":325.885,"end":326.045,"confidence":0.93408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028444744646549225},{"word":"don't","start":326.045,"end":326.20502,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.006865311414003372},{"word":"have","start":326.20502,"end":326.445,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02729012817144394},{"word":"to","start":326.445,"end":326.52502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0005420446395874023},{"word":"say","start":326.52502,"end":326.845,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.01126418262720108},{"word":"how","start":326.845,"end":327.005,"confidence":0.984375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.011250212788581848},{"word":"i","start":327.005,"end":327.08502,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020150013267993927},{"word":"want","start":327.08502,"end":327.24503,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.017062604427337646},{"word":"the","start":327.24503,"end":327.40503,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010648190975189207},{"word":"money","start":327.40503,"end":327.64502,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.05610280483961105},{"word":"spent","start":327.64502,"end":328.045,"confidence":0.9941406,"punctuated_word":"spent.","sentiment":"neutral","sentiment_score":0.04398806393146515},{"word":"it's","start":328.045,"end":328.20502,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11440399289131165},{"word":"just","start":328.20502,"end":328.70502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.098976731300354},{"word":"that","start":329.48502,"end":329.725,"confidence":0.4177246,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23540356755256653},{"word":"you","start":329.725,"end":329.885,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2806148827075958},{"word":"guys","start":329.885,"end":330.125,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.27840521931648254},{"word":"are","start":330.125,"end":330.625,"confidence":0.98291016,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.335251122713089},{"word":"a","start":331.005,"end":331.08502,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2906634509563446},{"word":"a","start":331.08502,"end":331.165,"confidence":0.5214844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2544621229171753},{"word":"bigger","start":331.165,"end":331.565,"confidence":0.9951172,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":0.2398182451725006},{"word":"fund","start":331.565,"end":332.065,"confidence":0.99902344,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.137083500623703},{"word":"with","start":334.32,"end":334.72,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2781869173049927},{"word":"the","start":334.72,"end":335.2,"confidence":0.78564453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26710131764411926},{"word":"one","start":335.2,"end":335.6,"confidence":0.95166016,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.28439784049987793},{"word":"one","start":335.6,"end":335.92,"confidence":0.95703125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.22526609897613523},{"word":"task","start":335.92,"end":336.4,"confidence":0.9970703,"punctuated_word":"task","sentiment":"positive","sentiment_score":0.3744855225086212},{"word":"of","start":336.4,"end":336.48,"confidence":0.75683594,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2724071741104126},{"word":"basically","start":336.48,"end":336.96,"confidence":0.9160156,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.25729700922966003},{"word":"being","start":336.96,"end":337.2,"confidence":0.99316406,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.3115620017051697},{"word":"better","start":337.2,"end":337.44,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.2214573174715042},{"word":"than","start":337.44,"end":337.6,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.2340938299894333},{"word":"the","start":337.6,"end":337.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22320255637168884},{"word":"rest","start":337.76,"end":338.26,"confidence":0.9863281,"punctuated_word":"rest.","sentiment":"neutral","sentiment_score":0.16574853658676147},{"word":"yes","start":347.205,"end":347.705,"confidence":0.89868164,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3753631114959717},{"word":"yep","start":349.76498,"end":350.26498,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06938624382019043},{"word":"yep","start":362.44,"end":362.94,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3856984078884125},{"word":"yep","start":364.52,"end":365.02,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2426485121250153},{"word":"yeah","start":368.6,"end":368.92,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21102315187454224},{"word":"and","start":368.92,"end":369.16,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21709363162517548},{"word":"that's","start":369.16,"end":369.48,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27807605266571045},{"word":"pretty","start":369.48,"end":369.72,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2421422302722931},{"word":"much","start":369.72,"end":369.96,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.23932261765003204},{"word":"what","start":369.96,"end":370.28,"confidence":0.9819336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19309954345226288},{"word":"it","start":370.28,"end":370.36002,"confidence":0.47143555,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17451111972332},{"word":"when","start":370.52,"end":370.76,"confidence":0.9560547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1322103589773178},{"word":"when","start":370.76,"end":370.92,"confidence":0.96533203,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1240772008895874},{"word":"i","start":370.92,"end":371.08002,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16309833526611328},{"word":"signed","start":371.08002,"end":371.4,"confidence":1.0,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.1214779019355774},{"word":"up","start":371.4,"end":371.56,"confidence":0.8417969,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.12997281551361084},{"word":"that","start":371.56,"end":371.8,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.14926880598068237},{"word":"was","start":371.8,"end":372.04,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10994148254394533},{"word":"the","start":372.04,"end":372.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1480700671672821},{"word":"reason","start":372.12,"end":372.62,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.14742904901504517},{"word":"to","start":373.30502,"end":373.46503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15598879754543304},{"word":"sign","start":373.46503,"end":373.785,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.15178772807121277},{"word":"up","start":373.785,"end":374.02502,"confidence":0.9946289,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.14809660613536835},{"word":"the","start":374.02502,"end":374.185,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04750189930200577},{"word":"fees","start":374.185,"end":374.505,"confidence":1.0,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.05616757273674011},{"word":"were","start":374.505,"end":374.905,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.015291616320610046},{"word":"higher","start":374.905,"end":375.405,"confidence":0.97509766,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":0.04424845799803734},{"word":"but","start":376.265,"end":376.58502,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.020725607872009277},{"word":"the","start":376.58502,"end":376.74503,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003456994891166687},{"word":"returns","start":376.74503,"end":377.24503,"confidence":1.0,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.09849584102630617},{"word":"were","start":377.30502,"end":377.545,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.0485488623380661},{"word":"higher","start":377.545,"end":378.045,"confidence":0.9951172,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.14863690733909607},{"word":"so","start":378.74503,"end":379.24503,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2830486297607422},{"word":"the","start":379.545,"end":379.785,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39134731888771057},{"word":"returns","start":379.785,"end":380.285,"confidence":0.9951172,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.43020641803741455},{"word":"outweighed","start":380.345,"end":380.825,"confidence":0.7019043,"punctuated_word":"outweighed","sentiment":"positive","sentiment_score":0.4356629252433777},{"word":"the","start":380.825,"end":380.98502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3039405345916748},{"word":"extra","start":380.98502,"end":381.385,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.21646098792552948},{"word":"fees","start":381.385,"end":381.86502,"confidence":0.9980469,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.17612150311470032},{"word":"to","start":381.86502,"end":382.02502,"confidence":0.984375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37269678711891174},{"word":"what","start":382.02502,"end":382.265,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3874223232269287},{"word":"you","start":382.265,"end":382.42502,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3380252718925476},{"word":"were","start":382.42502,"end":382.505,"confidence":0.68652344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1980684995651245},{"word":"gonna","start":382.505,"end":382.905,"confidence":0.9404297,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.33498215675354004},{"word":"get","start":382.905,"end":383.14502,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2783720791339874},{"word":"charged","start":383.14502,"end":383.625,"confidence":0.9091797,"punctuated_word":"charged","sentiment":"neutral","sentiment_score":0.2248023152351379},{"word":"before","start":383.625,"end":384.125,"confidence":0.9921875,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.2640530467033386},{"word":"the","start":384.665,"end":384.825,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15035772323608398},{"word":"only","start":384.825,"end":385.065,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.07579899579286575},{"word":"difference","start":385.065,"end":385.545,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.03870197385549545},{"word":"was","start":385.545,"end":385.785,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1358022838830948},{"word":"that","start":385.785,"end":386.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14162376523017883},{"word":"you","start":387.74,"end":387.9,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1799122393131256},{"word":"guys","start":387.9,"end":388.06,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.2068202644586563},{"word":"doing","start":388.06,"end":388.38,"confidence":0.3779297,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.11613793671131134},{"word":"your","start":388.38,"end":388.54,"confidence":0.98535156,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10207877308130264},{"word":"annual","start":388.54,"end":388.86002,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.13313651084899902},{"word":"checkup","start":388.86002,"end":389.36002,"confidence":0.90218097,"punctuated_word":"checkup.","sentiment":"neutral","sentiment_score":0.11014236509799956},{"word":"a","start":389.82,"end":389.98,"confidence":0.99902344,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.1497950553894043},{"word":"bit","start":389.98,"end":390.14,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12135553359985352},{"word":"of","start":390.14,"end":390.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15931549668312073},{"word":"it","start":390.3,"end":390.46,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15056860446929932},{"word":"is","start":390.46,"end":390.96,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12687817215919495},{"word":"with","start":393.42,"end":393.66,"confidence":0.90771484,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1481272131204605},{"word":"my","start":393.66,"end":393.98,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.16656029224395752},{"word":"insight","start":393.98,"end":394.48,"confidence":0.8269043,"punctuated_word":"insight,","sentiment":"neutral","sentiment_score":0.13000574707984924},{"word":"what","start":395.58,"end":395.9,"confidence":0.93847656,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14678572118282318},{"word":"i","start":395.9,"end":395.98,"confidence":0.8852539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12794743478298187},{"word":"what","start":395.98,"end":396.3,"confidence":0.546875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1459784954786301},{"word":"i","start":396.3,"end":396.46,"confidence":0.46679688,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12048424035310744},{"word":"what","start":396.46,"end":396.54,"confidence":0.55126953,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12249711155891418},{"word":"i","start":396.54,"end":396.62,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10013529658317566},{"word":"wanna","start":396.62,"end":397.02,"confidence":0.80566406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13723242282867432},{"word":"risk","start":397.02,"end":397.34,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.09015973657369614},{"word":"and","start":397.34,"end":397.66,"confidence":0.82910156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026652753353118896},{"word":"if","start":397.66,"end":397.9,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.066318079829216},{"word":"i","start":397.9,"end":398.06,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.066653773188591},{"word":"have","start":398.06,"end":398.22,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08778665214776993},{"word":"any","start":398.22,"end":398.72,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0711754560470581},{"word":"thoughts","start":399.02,"end":399.34,"confidence":0.9980469,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.03676619380712509},{"word":"on","start":399.34,"end":399.5,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09990622103214264},{"word":"where","start":399.5,"end":399.62,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08993086218833923},{"word":"i","start":399.62,"end":399.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10405339300632475},{"word":"would","start":399.74,"end":399.9,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14482218027114868},{"word":"like","start":399.9,"end":400.14,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14580178260803223},{"word":"the","start":400.14,"end":400.22,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1336287260055542},{"word":"money","start":400.22,"end":400.54,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14541645348072052},{"word":"spent","start":400.54,"end":401.04,"confidence":0.9797363,"punctuated_word":"spent.","sentiment":"neutral","sentiment_score":0.1327585130929947},{"word":"so","start":401.97498,"end":402.29498,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1616312563419342},{"word":"i","start":402.29498,"end":402.455,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22268909215927124},{"word":"get","start":402.455,"end":402.615,"confidence":0.9941406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2156262993812561},{"word":"that","start":402.615,"end":402.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24777258932590485},{"word":"you","start":402.775,"end":402.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26849085092544556},{"word":"guys","start":402.935,"end":403.095,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.253604531288147},{"word":"can","start":403.095,"end":403.335,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21395477652549744},{"word":"tailor","start":403.335,"end":403.735,"confidence":0.9951172,"punctuated_word":"tailor","sentiment":"neutral","sentiment_score":0.20505142211914065},{"word":"each","start":403.735,"end":403.895,"confidence":0.99902344,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.21609504520893097},{"word":"one","start":403.895,"end":404.13498,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17834720015525818},{"word":"to","start":404.13498,"end":404.29498,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18559113144874573},{"word":"each","start":404.29498,"end":404.615,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.18077504634857175},{"word":"point","start":404.615,"end":405.115,"confidence":0.8515625,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.13146907091140747},{"word":"but","start":406.375,"end":406.53497,"confidence":0.95166016,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.05694699287414551},{"word":"yeah","start":406.53497,"end":406.775,"confidence":0.98046875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06325175613164902},{"word":"for","start":406.775,"end":407.01498,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03778994828462601},{"word":"me","start":407.01498,"end":407.25497,"confidence":0.93530273,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.02870894968509674},{"word":"it's","start":407.25497,"end":407.41498,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.027189714834094048},{"word":"you","start":407.57498,"end":407.735,"confidence":0.93847656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015598304569721222},{"word":"know","start":407.735,"end":407.895,"confidence":0.97094727,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.016134614124894142},{"word":"i'm","start":407.895,"end":408.13498,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.008328340947628021},{"word":"probably","start":408.13498,"end":408.53497,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.013538017868995668},{"word":"a","start":408.53497,"end":408.615,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03085569106042385},{"word":"lot","start":408.615,"end":408.85498,"confidence":0.99609375,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.052290864288806915},{"word":"smaller","start":408.85498,"end":409.175,"confidence":1.0,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.024815522134304047},{"word":"than","start":409.175,"end":409.675,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.059715189039707184},{"word":"a","start":410.13498,"end":410.215,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014377400279045103},{"word":"lot","start":410.215,"end":410.375,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.0032380148768424988},{"word":"of","start":410.375,"end":410.53497,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01715114712715149},{"word":"the","start":410.53497,"end":410.615,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01396980881690979},{"word":"people","start":410.615,"end":410.935,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.04960833489894867},{"word":"that","start":410.935,"end":411.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.037703871726989746},{"word":"are","start":411.095,"end":411.25497,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.043370429426431656},{"word":"on","start":411.25497,"end":411.41498,"confidence":0.8442383,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07266192883253098},{"word":"board","start":411.41498,"end":411.655,"confidence":1.0,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.0488099530339241},{"word":"with","start":411.655,"end":411.735,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05432021990418434},{"word":"you","start":411.735,"end":411.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0620332695543766},{"word":"guys","start":411.895,"end":412.395,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.05464250594377518},{"word":"in","start":413.97498,"end":414.215,"confidence":0.7792969,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006749704480171204},{"word":"my","start":414.215,"end":414.455,"confidence":0.8671875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03283177316188812},{"word":"sense","start":414.455,"end":414.93,"confidence":0.62597656,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.02981819212436676},{"word":"yep","start":419.49,"end":419.99,"confidence":0.81274414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15387818217277527},{"word":"yep","start":422.28998,"end":422.78998,"confidence":0.9121094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19592168927192688},{"word":"yep","start":432.605,"end":433.105,"confidence":0.9436035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.015016240999102592},{"word":"correct","start":441.005,"end":441.505,"confidence":0.8479004,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.0801963359117508},{"word":"yep","start":441.565,"end":442.065,"confidence":0.71069336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08524253219366074},{"word":"sorry","start":443.325,"end":443.825,"confidence":0.8557129,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.002891073003411293},{"word":"k","start":444.765,"end":445.265,"confidence":0.81225586,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.05965431034564972},{"word":"yep","start":446.285,"end":446.785,"confidence":0.9880371,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2123495787382126},{"word":"mhmm","start":452.63,"end":453.13,"confidence":0.9552002,"punctuated_word":"Mhmm.","sentiment":"positive","sentiment_score":0.3544014096260071},{"word":"no","start":479.00998,"end":479.25,"confidence":0.9536133,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13888108730316162},{"word":"i'm","start":479.25,"end":479.41,"confidence":0.9707031,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.14944657683372498},{"word":"not","start":479.41,"end":479.91,"confidence":0.9472656,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.16646768152713776},{"word":"but","start":480.05,"end":480.28998,"confidence":0.76464844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.2334460616111755},{"word":"once","start":480.28998,"end":480.61,"confidence":0.9941406,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.13679060339927673},{"word":"he","start":480.61,"end":480.69,"confidence":0.7871094,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.14856719970703125},{"word":"once","start":480.69,"end":480.93,"confidence":0.9892578,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.11567706614732742},{"word":"he","start":480.93,"end":481.09,"confidence":0.9951172,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.20731133222579956},{"word":"is","start":481.09,"end":481.25,"confidence":0.6904297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20127609372138977},{"word":"pretty","start":481.25,"end":481.49,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.20108674466609955},{"word":"well","start":481.49,"end":481.65,"confidence":0.9970703,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.18506714701652527},{"word":"enough","start":481.65,"end":482.05,"confidence":0.97094727,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":-0.2009386122226715},{"word":"like","start":482.05,"end":482.55,"confidence":0.9206543,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.22971287369728088},{"word":"i","start":483.09,"end":483.25,"confidence":0.97802734,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.40272995829582214},{"word":"don't","start":483.25,"end":483.41,"confidence":0.98291016,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.36640024185180664},{"word":"really","start":483.41,"end":483.81,"confidence":0.9707031,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.33182770013809204},{"word":"need","start":483.81,"end":483.97,"confidence":0.9165039,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.29747483134269714},{"word":"it","start":483.97,"end":484.21,"confidence":0.80371094,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.2917724847793579},{"word":"if","start":484.21,"end":484.37,"confidence":0.9760742,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.13860861957073212},{"word":"there's","start":484.37,"end":484.77,"confidence":0.99365234,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.16262319684028623},{"word":"anything","start":484.77,"end":485.16998,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.12016555666923524},{"word":"drastic","start":485.16998,"end":485.49,"confidence":1.0,"punctuated_word":"drastic","sentiment":"neutral","sentiment_score":-0.1500636488199234},{"word":"that","start":485.49,"end":485.72998,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1073528528213501},{"word":"happens","start":485.72998,"end":485.97,"confidence":0.99658203,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":-0.11413649469614028},{"word":"i","start":485.97,"end":486.13,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07321591675281525},{"word":"figure","start":486.13,"end":486.37,"confidence":0.7314453,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.0662136971950531},{"word":"you","start":486.37,"end":486.53,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07287342101335526},{"word":"can","start":486.53,"end":486.69,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07048871368169785},{"word":"email","start":486.69,"end":487.00998,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.10834601521492004},{"word":"me","start":487.00998,"end":487.09,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.09957989305257796},{"word":"anyway","start":487.09,"end":487.59,"confidence":0.9472656,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.09432785958051682},{"word":"but","start":488.92502,"end":489.42502,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04806049540638923},{"word":"you","start":489.48502,"end":489.64502,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051680099219083786},{"word":"guys","start":489.64502,"end":489.885,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.11643652617931366},{"word":"are","start":489.885,"end":490.385,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06622698158025742},{"word":"the","start":491.565,"end":491.725,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.084705650806427},{"word":"financial","start":491.725,"end":492.225,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.06257113814353943},{"word":"experts","start":492.285,"end":492.605,"confidence":0.88427734,"punctuated_word":"experts","sentiment":"neutral","sentiment_score":0.0862797424197197},{"word":"so","start":492.605,"end":492.845,"confidence":0.48950195,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09244637191295624},{"word":"you","start":492.845,"end":492.92502,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14596320688724518},{"word":"can","start":492.92502,"end":493.085,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13411900401115415},{"word":"see","start":493.085,"end":493.325,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14373154938220978},{"word":"how","start":493.325,"end":493.48502,"confidence":0.9580078,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11299820244312286},{"word":"the","start":493.48502,"end":493.565,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.104665145277977},{"word":"market's","start":493.565,"end":494.045,"confidence":0.9501953,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":0.10855504125356674},{"word":"going","start":494.045,"end":494.545,"confidence":0.982666,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.1270497739315033},{"word":"so","start":494.845,"end":495.345,"confidence":0.9375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07210901379585266},{"word":"if","start":495.965,"end":496.20502,"confidence":0.95166016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07378852367401123},{"word":"you've","start":496.20502,"end":496.365,"confidence":0.9675293,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08690005540847778},{"word":"got","start":496.365,"end":496.605,"confidence":0.6953125,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05915109068155289},{"word":"to","start":496.605,"end":496.685,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0666499063372612},{"word":"change","start":496.685,"end":497.005,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.041924260556697845},{"word":"something","start":497.005,"end":497.405,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.028864756226539612},{"word":"from","start":497.405,"end":497.905,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02506275475025177},{"word":"one","start":498.605,"end":498.845,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.006776854395866394},{"word":"commodity","start":498.845,"end":499.345,"confidence":1.0,"punctuated_word":"commodity","sentiment":"neutral","sentiment_score":0.0070846229791641235},{"word":"to","start":499.405,"end":499.565,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02102498710155487},{"word":"another","start":499.565,"end":500.065,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.010972879827022552},{"word":"because","start":500.29,"end":500.53,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0508512444794178},{"word":"you","start":500.53,"end":500.61002,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04658319801092148},{"word":"think","start":500.61002,"end":500.85,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06248150393366814},{"word":"that's","start":500.85,"end":501.17,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02908795140683651},{"word":"gonna","start":501.17,"end":501.41,"confidence":0.59472656,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04494862258434296},{"word":"boom","start":501.41,"end":501.91,"confidence":0.9658203,"punctuated_word":"boom","sentiment":"neutral","sentiment_score":0.13925161957740784},{"word":"and","start":502.13,"end":502.29,"confidence":0.66748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06193626672029495},{"word":"it's","start":502.29,"end":502.53,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06443306058645248},{"word":"gonna","start":502.53,"end":502.77002,"confidence":0.94970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0662471354007721},{"word":"get","start":502.77002,"end":502.93,"confidence":0.86328125,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.055983588099479675},{"word":"higher","start":502.93,"end":503.25,"confidence":0.4921875,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":0.05470409616827965},{"word":"it's","start":503.25,"end":503.41,"confidence":0.95703125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05835413560271263},{"word":"gonna","start":503.41,"end":503.73,"confidence":0.9658203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05004073679447174},{"word":"bottom","start":503.73,"end":503.97,"confidence":0.97998047,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.07418226450681686},{"word":"out","start":503.97,"end":504.47,"confidence":0.7302246,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.06491018831729889},{"word":"and","start":504.93,"end":505.25,"confidence":0.72314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06143289804458618},{"word":"you","start":505.25,"end":505.41,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05721554905176163},{"word":"guys","start":505.41,"end":505.65,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.073270782828331},{"word":"already","start":505.65,"end":505.97,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.08604471385478973},{"word":"have","start":505.97,"end":506.13,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03831559792160988},{"word":"the","start":506.13,"end":506.21,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04828527942299843},{"word":"authority","start":506.21,"end":506.61002,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.07328356057405472},{"word":"to","start":506.61002,"end":506.77002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05796973779797554},{"word":"move","start":506.77002,"end":506.93,"confidence":0.9921875,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.06972181797027588},{"word":"it","start":506.93,"end":507.17,"confidence":0.9189453,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.04370492696762085},{"word":"don't","start":507.17,"end":507.33002,"confidence":0.98706055,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.06640307605266571},{"word":"you","start":507.33002,"end":507.83002,"confidence":0.91308594,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.03758547455072403},{"word":"or","start":508.77002,"end":508.93,"confidence":0.78759766,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.00090770423412323},{"word":"do","start":508.93,"end":509.01,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.003185143694281578},{"word":"you","start":509.01,"end":509.17,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0008208192884922028},{"word":"have","start":509.17,"end":509.33002,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00009870901703834534},{"word":"to","start":509.33002,"end":509.41,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0022474676370620728},{"word":"ring","start":509.41,"end":509.65,"confidence":0.9941406,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.0076295677572488785},{"word":"to","start":509.65,"end":509.73,"confidence":0.75097656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02087661623954773},{"word":"that","start":509.73,"end":509.80002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.007112570106983185},{"word":"at","start":509.80002,"end":510.05002,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.017041780054569244},{"word":"the","start":510.05002,"end":510.21,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001935422420501709},{"word":"moment","start":510.21,"end":510.71,"confidence":0.97265625,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.024687716737389565},{"word":"yeah","start":520.565,"end":521.045,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08831236511468887},{"word":"well","start":521.045,"end":521.28503,"confidence":0.98950195,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0498589463531971},{"word":"i","start":521.28503,"end":521.365,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030691146850585938},{"word":"figure","start":521.365,"end":521.605,"confidence":0.54003906,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":0.07062157243490219},{"word":"you","start":521.605,"end":521.765,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02296026051044464},{"word":"guys","start":521.765,"end":521.925,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.05617388337850571},{"word":"are","start":521.925,"end":522.085,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.038799479603767395},{"word":"gonna","start":522.085,"end":522.405,"confidence":0.8720703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0660165399312973},{"word":"explain","start":522.405,"end":522.805,"confidence":0.99902344,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.03673052787780762},{"word":"the","start":522.805,"end":522.965,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024632588028907776},{"word":"pros","start":522.965,"end":523.445,"confidence":0.68859863,"punctuated_word":"pros.","sentiment":"neutral","sentiment_score":0.005801476538181305},{"word":"what","start":523.445,"end":523.605,"confidence":0.45825195,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.0012445226311683657},{"word":"this","start":523.605,"end":523.84503,"confidence":0.5566406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.005110502243041992},{"word":"is","start":523.84503,"end":523.925,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008823055773973465},{"word":"to","start":523.925,"end":524.085,"confidence":0.63964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002858109772205353},{"word":"what","start":524.085,"end":524.16504,"confidence":0.83447266,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011694516986608504},{"word":"because","start":524.245,"end":524.485,"confidence":0.9951172,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0006325133144855499},{"word":"these","start":524.485,"end":524.645,"confidence":0.5390625,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.028990253806114197},{"word":"are","start":524.645,"end":524.72504,"confidence":0.9770508,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01027410477399826},{"word":"any","start":524.72504,"end":525.045,"confidence":0.484375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.010413959622383118},{"word":"advisers","start":525.045,"end":525.545,"confidence":0.70751953,"punctuated_word":"advisers.","sentiment":"neutral","sentiment_score":-0.0421908013522625},{"word":"so","start":525.765,"end":526.005,"confidence":0.27685547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04701367765665054},{"word":"that's","start":526.005,"end":526.405,"confidence":0.5548096,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05083335563540459},{"word":"a","start":526.405,"end":526.565,"confidence":0.37719727,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.039553478360176086},{"word":"if","start":527.28503,"end":527.445,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07693775743246078},{"word":"you","start":527.445,"end":527.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16055218875408173},{"word":"do","start":527.525,"end":527.765,"confidence":0.9243164,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.13256347179412842},{"word":"lose","start":527.765,"end":528.005,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.2173735797405243},{"word":"it","start":528.005,"end":528.245,"confidence":0.9812012,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.19007468223571777},{"word":"they'll","start":528.245,"end":528.485,"confidence":0.446167,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.18099352717399597},{"word":"come","start":528.485,"end":528.805,"confidence":0.43139648,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.1950882524251938},{"word":"and","start":528.805,"end":528.965,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21469902992248535},{"word":"hunt","start":528.965,"end":529.205,"confidence":0.9980469,"punctuated_word":"hunt","sentiment":"neutral","sentiment_score":-0.27281898260116577},{"word":"you","start":529.205,"end":529.365,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22115859389305115},{"word":"down","start":529.365,"end":529.83,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.17994195222854614},{"word":"pretty","start":531.59,"end":531.91003,"confidence":0.98095703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.08166388422250748},{"word":"much","start":531.91003,"end":532.41003,"confidence":0.9838867,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.07535237073898315},{"word":"still","start":533.91003,"end":534.23004,"confidence":0.9316406,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.03052915446460247},{"word":"can","start":534.23004,"end":534.55,"confidence":0.9560547,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":-0.007553808391094208},{"word":"but","start":534.55,"end":534.95,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.029807455837726593},{"word":"but","start":534.95,"end":535.19,"confidence":0.95166016,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01683156192302704},{"word":"that's","start":535.19,"end":535.69,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.003344036638736725},{"word":"that's","start":535.91003,"end":536.31,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.03266388177871704},{"word":"why","start":536.31,"end":536.55,"confidence":0.75634766,"punctuated_word":"why.","sentiment":"neutral","sentiment_score":-0.030554477125406265},{"word":"like","start":536.55,"end":536.71,"confidence":0.98779297,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.000080818310379982},{"word":"i'm","start":536.71,"end":536.87,"confidence":0.9909668,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.017772484570741653},{"word":"in","start":536.87,"end":537.03,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04573092237114906},{"word":"this","start":537.03,"end":537.19,"confidence":0.69140625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.047521159052848816},{"word":"i'm","start":537.27,"end":537.43,"confidence":0.9914551,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04185492917895317},{"word":"in","start":537.43,"end":537.67004,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05017596855759621},{"word":"a","start":537.67004,"end":537.91003,"confidence":0.89208984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04727908968925476},{"word":"similar","start":537.91003,"end":538.31,"confidence":0.9941406,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.03505922481417656},{"word":"position","start":538.31,"end":538.71,"confidence":1.0,"punctuated_word":"position","sentiment":"neutral","sentiment_score":0.033312972635030746},{"word":"running","start":538.71,"end":538.95,"confidence":0.98095703,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.05919085815548897},{"word":"a","start":538.95,"end":539.03,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05134155973792076},{"word":"caribbean","start":539.03,"end":539.43,"confidence":0.57910156,"punctuated_word":"Caribbean","sentiment":"neutral","sentiment_score":0.03534764423966408},{"word":"dealership","start":539.43,"end":539.93,"confidence":0.9946289,"punctuated_word":"dealership.","sentiment":"neutral","sentiment_score":0.04249701648950577},{"word":"i","start":540.47003,"end":540.55,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0679587572813034},{"word":"can","start":540.55,"end":540.79004,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07214072346687317},{"word":"point","start":540.79004,"end":541.11005,"confidence":0.99902344,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.11018577218055724},{"word":"people","start":541.11005,"end":541.35004,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.08797506988048553},{"word":"into","start":541.35004,"end":541.59,"confidence":0.98828125,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08746661245822906},{"word":"which","start":541.59,"end":541.83,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06238033249974251},{"word":"van's","start":541.83,"end":542.15,"confidence":0.7155762,"punctuated_word":"van's","sentiment":"neutral","sentiment_score":0.031406279653310776},{"word":"gonna","start":542.15,"end":542.39,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05411648750305176},{"word":"suit","start":542.39,"end":542.89,"confidence":0.89282227,"punctuated_word":"suit.","sentiment":"neutral","sentiment_score":0.007074382156133652},{"word":"if","start":542.95,"end":543.19,"confidence":0.7866211,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.07689987123012543},{"word":"it","start":543.19,"end":543.27,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04761667549610138},{"word":"doesn't","start":543.27,"end":543.59,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.09522587060928343},{"word":"suit","start":543.59,"end":543.83,"confidence":0.9970703,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":-0.07441434264183044},{"word":"for","start":543.83,"end":544.07,"confidence":0.9658203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08840455114841461},{"word":"them","start":544.07,"end":544.395,"confidence":0.90649414,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.11099032312631608},{"word":"you","start":544.395,"end":544.895,"confidence":0.54833984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1373785138130188},{"word":"know","start":545.59503,"end":545.755,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11951291561126708},{"word":"they","start":545.755,"end":545.91504,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.18629778921604156},{"word":"can","start":545.91504,"end":546.075,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.16527731716632843},{"word":"hunt","start":546.075,"end":546.23505,"confidence":0.95703125,"punctuated_word":"hunt","sentiment":"neutral","sentiment_score":-0.15039131045341492},{"word":"me","start":546.23505,"end":546.395,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.10050682723522186},{"word":"down","start":546.395,"end":546.635,"confidence":0.9038086,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.10484203696250916},{"word":"but","start":546.635,"end":546.875,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.028929471969604492},{"word":"it's","start":546.875,"end":547.03503,"confidence":0.7709961,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.058845967054367065},{"word":"just","start":547.03503,"end":547.195,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.022793665528297424},{"word":"an","start":547.195,"end":547.35504,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04913154989480972},{"word":"educated","start":547.35504,"end":547.835,"confidence":0.98535156,"punctuated_word":"educated","sentiment":"neutral","sentiment_score":-0.04080388695001602},{"word":"guess","start":547.835,"end":548.335,"confidence":0.96191406,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":-0.02895744889974594},{"word":"that's","start":548.955,"end":549.195,"confidence":0.97265625,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03861378878355026},{"word":"your","start":549.195,"end":549.515,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08630132675170898},{"word":"field","start":549.515,"end":549.755,"confidence":0.9321289,"punctuated_word":"field.","sentiment":"neutral","sentiment_score":0.08623294532299042},{"word":"this","start":549.755,"end":549.91504,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.10527895390987396},{"word":"is","start":549.91504,"end":550.075,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08845337480306625},{"word":"my","start":550.075,"end":550.315,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12064045667648315},{"word":"field","start":550.315,"end":550.815,"confidence":0.99853516,"punctuated_word":"field.","sentiment":"neutral","sentiment_score":0.0896405577659607},{"word":"so","start":551.91504,"end":552.41504,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2021459937095642},{"word":"for","start":552.715,"end":552.955,"confidence":0.90283203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19905996322631836},{"word":"me","start":552.955,"end":553.455,"confidence":0.9838867,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.27342987060546875},{"word":"i","start":553.91504,"end":554.075,"confidence":0.9277344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30592870712280273},{"word":"know","start":554.075,"end":554.315,"confidence":0.9819336,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.30671995878219604},{"word":"everything","start":554.315,"end":554.715,"confidence":0.94189453,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2945535480976105},{"word":"about","start":554.715,"end":554.955,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.21103371679782867},{"word":"what","start":554.955,"end":555.115,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2083760201931},{"word":"i","start":555.115,"end":555.275,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20027273893356323},{"word":"have","start":555.275,"end":555.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18761742115020752},{"word":"to","start":555.435,"end":555.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17371129989624023},{"word":"do","start":555.515,"end":555.67505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15257200598716736},{"word":"here","start":555.67505,"end":556.17505,"confidence":0.97094727,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.21780800819396973},{"word":"no","start":556.23505,"end":556.395,"confidence":0.97314453,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1307283490896225},{"word":"different","start":556.395,"end":556.635,"confidence":0.95166016,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.08802932500839233},{"word":"for","start":556.635,"end":556.79504,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13961808383464813},{"word":"you","start":556.79504,"end":556.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16317929327487946},{"word":"guys","start":556.955,"end":557.115,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.21343772113323212},{"word":"doing","start":557.115,"end":557.35504,"confidence":0.99121094,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1602512151002884},{"word":"your","start":557.35504,"end":557.59503,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15607556700706482},{"word":"job","start":557.59503,"end":557.755,"confidence":0.99853516,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":0.15705406665802002},{"word":"i'd","start":557.755,"end":557.91504,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.23400847613811493},{"word":"like","start":557.91504,"end":558.075,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.22283612191677096},{"word":"to","start":558.075,"end":558.155,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2601568102836609},{"word":"think","start":558.155,"end":558.315,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.29940658807754517},{"word":"that","start":558.315,"end":558.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21962255239486697},{"word":"you","start":558.555,"end":558.635,"confidence":0.9316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20365287363529205},{"word":"know","start":558.635,"end":558.79504,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2141306698322296},{"word":"what","start":558.79504,"end":558.955,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20720991492271423},{"word":"you're","start":558.955,"end":559.115,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17133527994155884},{"word":"doing","start":559.115,"end":559.615,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.13507935404777527},{"word":"with","start":559.82,"end":560.06,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18499545753002167},{"word":"the","start":560.06,"end":560.22,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2006794512271881},{"word":"area","start":560.22,"end":560.45996,"confidence":1.0,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.2537309527397156},{"word":"that","start":560.45996,"end":560.7,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1974264979362488},{"word":"you're","start":560.7,"end":560.94,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1773655265569687},{"word":"working","start":560.94,"end":561.26,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.15902003645896912},{"word":"in","start":561.26,"end":561.76,"confidence":0.88623047,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1900632381439209},{"word":"so","start":562.86,"end":563.02,"confidence":0.91748047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21412959694862368},{"word":"i'm","start":563.02,"end":563.18,"confidence":0.98217773,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.30347979068756104},{"word":"just","start":563.18,"end":563.5,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30703863501548767},{"word":"going","start":563.5,"end":563.74,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.32188189029693604},{"word":"with","start":563.74,"end":563.98,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34878408908843994},{"word":"what","start":563.98,"end":564.14,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4448237419128418},{"word":"you","start":564.14,"end":564.3,"confidence":0.9902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3824971318244934},{"word":"guys","start":564.3,"end":564.54,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.3131433427333832},{"word":"recommend","start":564.54,"end":565.04,"confidence":0.8664551,"punctuated_word":"recommend.","sentiment":"positive","sentiment_score":0.34418943524360657},{"word":"and","start":566.3,"end":566.8,"confidence":0.99121094,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5243300199508667},{"word":"yeah","start":574.86,"end":575.36,"confidence":0.93847656,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.5260530710220337},{"word":"yep","start":577.145,"end":577.645,"confidence":0.9343262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06733760237693787},{"word":"yep","start":581.78503,"end":582.265,"confidence":0.89453125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.039739515632390976},{"word":"appreciate","start":582.265,"end":582.585,"confidence":0.95491534,"punctuated_word":"Appreciate","sentiment":"neutral","sentiment_score":0.17421278357505798},{"word":"it","start":582.585,"end":583.085,"confidence":0.83154297,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09550410509109496},{"word":"no","start":584.025,"end":584.265,"confidence":0.9465332,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.01107749529182911},{"word":"otherwise","start":584.265,"end":584.66504,"confidence":0.99609375,"punctuated_word":"Otherwise","sentiment":"neutral","sentiment_score":0.045653216540813446},{"word":"yeah","start":584.825,"end":584.985,"confidence":0.9526367,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.21395230293273929},{"word":"i'm","start":584.985,"end":585.065,"confidence":0.8149414,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5564238429069519},{"word":"happy","start":585.065,"end":585.465,"confidence":0.9260254,"punctuated_word":"happy,","sentiment":"positive","sentiment_score":0.6712898015975952},{"word":"mate","start":585.465,"end":585.705,"confidence":0.9621582,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.7036957740783691},{"word":"from","start":585.705,"end":585.945,"confidence":0.33789062,"punctuated_word":"From","sentiment":"positive","sentiment_score":0.5068708658218384},{"word":"outperforming","start":585.945,"end":586.445,"confidence":0.7949219,"punctuated_word":"outperforming","sentiment":"positive","sentiment_score":0.4451848268508911},{"word":"the","start":586.585,"end":586.66504,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4752580523490906},{"word":"other","start":586.66504,"end":586.905,"confidence":1.0,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.382043331861496},{"word":"two","start":586.905,"end":587.065,"confidence":0.99902344,"punctuated_word":"two","sentiment":"positive","sentiment_score":0.34854620695114136},{"word":"where","start":587.065,"end":587.305,"confidence":0.99609375,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2495126575231552},{"word":"i","start":587.305,"end":587.385,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3454459309577942},{"word":"was","start":587.385,"end":587.705,"confidence":0.96240234,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.3298092484474182},{"word":"then","start":587.705,"end":588.025,"confidence":0.9980469,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.4347672462463379},{"word":"it's","start":588.025,"end":588.265,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.46264323592185974},{"word":"worth","start":588.265,"end":588.505,"confidence":0.97314453,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.3150438964366913},{"word":"being","start":588.505,"end":588.825,"confidence":0.5239258,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.4613969922065735},{"word":"there","start":588.825,"end":589.145,"confidence":0.8063965,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4252116680145264},{"word":"so","start":589.145,"end":589.385,"confidence":0.5600586,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3764533996582031},{"word":"we","start":589.385,"end":589.465,"confidence":0.6791992,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34639060497283936},{"word":"can","start":589.465,"end":589.705,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.353248655796051},{"word":"ask","start":589.705,"end":590.205,"confidence":0.9970703,"punctuated_word":"ask.","sentiment":"neutral","sentiment_score":0.18587058782577515},{"word":"yep","start":597.11,"end":597.61,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13423733413219452},{"word":"yep","start":600.39,"end":600.89,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04228886216878891},{"word":"mhmm","start":603.83,"end":604.33,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03171426057815552},{"word":"yep","start":606.09503,"end":606.59503,"confidence":0.97265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06973975151777267},{"word":"oh","start":607.215,"end":607.61505,"confidence":0.9025879,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.446392297744751},{"word":"sounds","start":607.61505,"end":607.85504,"confidence":0.9741211,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.5652903318405151},{"word":"fantastic","start":607.85504,"end":608.35504,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.5019558668136597},{"word":"yeah","start":616.41504,"end":616.655,"confidence":0.734375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014937149360775948},{"word":"about","start":616.655,"end":616.895,"confidence":0.8183594,"punctuated_word":"About","sentiment":"neutral","sentiment_score":0.01827637292444706},{"word":"that","start":616.895,"end":617.215,"confidence":0.9831543,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.03659902885556221},{"word":"yep","start":617.215,"end":617.61505,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03894331678748131},{"word":"yep","start":617.61505,"end":618.11505,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03567391261458397},{"word":"yep","start":620.86,"end":621.36,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02731642685830593},{"word":"yep","start":621.82,"end":622.32,"confidence":0.98291016,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02457931637763977},{"word":"no","start":623.42,"end":623.92,"confidence":0.7352295,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0033768117427825928},{"word":"identical","start":626.77997,"end":627.27997,"confidence":0.9790039,"punctuated_word":"Identical.","sentiment":"neutral","sentiment_score":0.20181943476200104},{"word":"probably","start":634.865,"end":635.365,"confidence":0.81469727,"punctuated_word":"Probably.","sentiment":"neutral","sentiment_score":0.004686627071350813},{"word":"well","start":635.425,"end":635.585,"confidence":0.9890137,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.006056549958884716},{"word":"i","start":635.585,"end":635.745,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025039559230208397},{"word":"should","start":635.745,"end":635.905,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.01718173548579216},{"word":"have","start":635.905,"end":636.065,"confidence":0.5649414,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.015631550922989845},{"word":"had","start":636.065,"end":636.145,"confidence":0.97509766,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.015927786007523537},{"word":"a","start":636.145,"end":636.22504,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016395987942814827},{"word":"wheel","start":636.22504,"end":636.385,"confidence":0.5708008,"punctuated_word":"wheel.","sentiment":"neutral","sentiment_score":-0.009039397351443768},{"word":"i","start":636.385,"end":636.545,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01902887597680092},{"word":"probably","start":636.545,"end":636.865,"confidence":0.9892578,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.020836323499679565},{"word":"should","start":636.865,"end":637.025,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.021899055689573288},{"word":"have","start":637.025,"end":637.185,"confidence":0.90771484,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02034233883023262},{"word":"had","start":637.185,"end":637.585,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01623525843024254},{"word":"a","start":637.585,"end":637.745,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013074692338705065},{"word":"wheel","start":637.745,"end":638.065,"confidence":0.99121094,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":-0.012537535279989244},{"word":"review","start":638.065,"end":638.545,"confidence":0.9675293,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":-0.031473688781261444},{"word":"i've","start":638.545,"end":638.705,"confidence":0.9157715,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02632293663918972},{"word":"had","start":638.705,"end":638.865,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.022357024252414703},{"word":"a","start":638.865,"end":638.945,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0262824147939682},{"word":"wheel","start":638.945,"end":639.185,"confidence":0.9980469,"punctuated_word":"wheel","sentiment":"neutral","sentiment_score":-0.02197435311973095},{"word":"since","start":639.185,"end":639.685,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.03775849938392639},{"word":"2014","start":641.185,"end":641.905,"confidence":0.9116211,"punctuated_word":"2014","sentiment":"neutral","sentiment_score":-0.025884389877319336},{"word":"when","start":641.905,"end":642.145,"confidence":0.96875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04516078531742096},{"word":"i","start":642.145,"end":642.305,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04919464886188507},{"word":"lost","start":642.305,"end":642.545,"confidence":1.0,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.0350879430770874},{"word":"my","start":642.545,"end":642.705,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04551459103822708},{"word":"son","start":642.705,"end":643.205,"confidence":1.0,"punctuated_word":"son.","sentiment":"neutral","sentiment_score":-0.03451579809188843},{"word":"yeah","start":647.55,"end":647.95,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025852635502815247},{"word":"i've","start":647.95,"end":648.27,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.039863716810941696},{"word":"already","start":648.27,"end":648.67004,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.04024781659245491},{"word":"updated","start":648.67004,"end":649.15,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.02580965682864189},{"word":"it","start":649.15,"end":649.23004,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024578440934419632},{"word":"once","start":649.23004,"end":649.63,"confidence":0.9736328,"punctuated_word":"once,","sentiment":"neutral","sentiment_score":-0.0258941650390625},{"word":"but","start":649.63,"end":649.87,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.028726574033498764},{"word":"i","start":649.87,"end":649.95,"confidence":0.98291016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04921127110719681},{"word":"probably","start":649.95,"end":650.27,"confidence":0.9941406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.08202917128801346},{"word":"haven't","start":650.27,"end":650.51,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.07281248271465302},{"word":"updated","start":650.51,"end":650.91003,"confidence":1.0,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":-0.04755790904164314},{"word":"it","start":650.91003,"end":651.07,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04917610064148903},{"word":"since","start":651.07,"end":651.31,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.08942525088787079},{"word":"i","start":651.31,"end":651.47003,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04848252609372139},{"word":"moved","start":651.47003,"end":651.79004,"confidence":0.9248047,"punctuated_word":"moved,","sentiment":"neutral","sentiment_score":-0.05158552527427673},{"word":"which","start":651.79004,"end":652.03,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.08056274056434631},{"word":"was","start":652.03,"end":652.53,"confidence":0.6833496,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.047958120703697205},{"word":"like","start":652.75,"end":653.25,"confidence":0.7229004,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.042472753673791885},{"word":"nearly","start":653.39,"end":653.79004,"confidence":0.97998047,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":-0.04253554716706276},{"word":"two","start":653.79004,"end":653.87,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.043886978179216385},{"word":"years","start":653.87,"end":654.11,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.03054991364479065},{"word":"ago","start":654.11,"end":654.61,"confidence":1.0,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":-0.03163870424032211},{"word":"thirteen","start":654.91003,"end":655.23004,"confidence":0.43286133,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":-0.05597514659166336},{"word":"months","start":655.23004,"end":655.47003,"confidence":0.99902344,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.026183852925896645},{"word":"ago","start":655.47003,"end":655.97003,"confidence":0.99853516,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.04148034006357193},{"word":"it's","start":656.11,"end":656.19,"confidence":0.8562012,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.051621925085783005},{"word":"the","start":656.19,"end":656.35004,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0568949356675148},{"word":"only","start":656.35004,"end":656.51,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.083513543009758},{"word":"thing","start":656.51,"end":656.67004,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.045120082795619965},{"word":"i've","start":656.67004,"end":656.83,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05198781937360763},{"word":"gotta","start":656.83,"end":657.07,"confidence":0.6425781,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.0625218003988266},{"word":"change","start":657.07,"end":657.31,"confidence":0.76904297,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":-0.03645141422748566},{"word":"i've","start":657.31,"end":657.47003,"confidence":0.9116211,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.004376245196908712},{"word":"made","start":657.47003,"end":657.63,"confidence":0.56396484,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.01472482830286026},{"word":"everything","start":657.63,"end":657.95,"confidence":0.94628906,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.028592795133590695},{"word":"still","start":657.95,"end":658.19,"confidence":0.6821289,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.006397545337677002},{"word":"the","start":658.19,"end":658.35004,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016487427055835724},{"word":"same","start":658.35004,"end":658.59,"confidence":0.98535156,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.01904617995023727},{"word":"it's","start":658.59,"end":658.75,"confidence":0.81640625,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.013847190886735916},{"word":"just","start":658.75,"end":658.91003,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02920987829566002},{"word":"gonna","start":658.91003,"end":659.23004,"confidence":0.67089844,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01924789883196354},{"word":"change","start":659.23004,"end":659.63,"confidence":0.9902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.03384316712617874},{"word":"address","start":659.63,"end":660.03,"confidence":0.97998047,"punctuated_word":"address","sentiment":"neutral","sentiment_score":-0.006108991801738739},{"word":"that","start":660.03,"end":660.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0047385841608047485},{"word":"i","start":660.27,"end":660.43,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005356866866350174},{"word":"own","start":660.43,"end":660.825,"confidence":0.9946289,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":0.0038314498960971832},{"word":"other","start":661.145,"end":661.305,"confidence":0.99316406,"punctuated_word":"Other","sentiment":"neutral","sentiment_score":-0.006107170134782791},{"word":"than","start":661.305,"end":661.465,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.015115246176719666},{"word":"that","start":661.465,"end":661.78503,"confidence":0.9921875,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.01577005349099636},{"word":"everything","start":661.78503,"end":662.10504,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06441588699817657},{"word":"else","start":662.10504,"end":662.34503,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.03773627430200577},{"word":"in","start":662.34503,"end":662.425,"confidence":0.62158203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013719774782657623},{"word":"the","start":662.425,"end":662.505,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023034583777189255},{"word":"world","start":662.505,"end":662.745,"confidence":0.9086914,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.04755329340696335},{"word":"is","start":662.745,"end":662.825,"confidence":0.5473633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04709925875067711},{"word":"the","start":662.825,"end":662.985,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03917716443538666},{"word":"same","start":662.985,"end":663.485,"confidence":0.9970703,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.05174103379249573},{"word":"i","start":664.10504,"end":664.265,"confidence":0.20910645,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1443922370672226},{"word":"don't","start":664.265,"end":664.425,"confidence":0.58917236,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.05318289250135422},{"word":"know","start":664.425,"end":664.505,"confidence":0.67700195,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.09868748486042024},{"word":"it","start":664.505,"end":664.585,"confidence":0.97509766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.06013818457722664},{"word":"goes","start":664.585,"end":664.825,"confidence":0.99121094,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.030330421403050423},{"word":"to","start":664.825,"end":664.905,"confidence":0.8984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04385407269001007},{"word":"amanda","start":664.905,"end":665.305,"confidence":0.6101074,"punctuated_word":"Amanda.","sentiment":"neutral","sentiment_score":0.05404145270586014},{"word":"everything","start":665.305,"end":665.705,"confidence":0.9902344,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.08791881799697876},{"word":"yeah","start":665.78503,"end":666.185,"confidence":0.9902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07445147633552551},{"word":"it","start":666.185,"end":666.34503,"confidence":0.8886719,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05356140434741974},{"word":"doesn't","start":666.34503,"end":666.84503,"confidence":0.99194336,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.03783966600894928},{"word":"none","start":667.145,"end":667.305,"confidence":0.8964844,"punctuated_word":"none","sentiment":"neutral","sentiment_score":0.029581155627965927},{"word":"of","start":667.305,"end":667.385,"confidence":0.9863281,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05592861771583557},{"word":"that","start":667.385,"end":667.625,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08936312794685364},{"word":"changes","start":667.625,"end":668.125,"confidence":0.9753418,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.026820484548807144},{"word":"so","start":668.265,"end":668.505,"confidence":0.95703125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023328259587287903},{"word":"yeah","start":677.65,"end":678.13,"confidence":0.9338379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.003965520299971104},{"word":"as","start":678.13,"end":678.37,"confidence":0.9633789,"punctuated_word":"As","sentiment":"neutral","sentiment_score":-0.0006412477232515812},{"word":"far","start":678.37,"end":678.53,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.00213481392711401},{"word":"as","start":678.53,"end":678.69,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.004338367842137814},{"word":"i","start":678.69,"end":678.85004,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0011179130524396896},{"word":"know","start":678.85004,"end":679.09,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0015803836286067965},{"word":"as","start":679.09,"end":679.25,"confidence":0.9580078,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.00013985112309455872},{"word":"far","start":679.25,"end":679.41003,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.003111649304628372},{"word":"as","start":679.41003,"end":679.49,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.008634846657514572},{"word":"i","start":679.49,"end":679.65,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005874093621969223},{"word":"know","start":679.65,"end":679.81,"confidence":0.9621582,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.009021864272654057},{"word":"we've","start":679.81,"end":680.05005,"confidence":0.9926758,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.018332164734601974},{"word":"already","start":680.05005,"end":680.29004,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.03865355998277664},{"word":"done","start":680.29004,"end":680.45,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.022726841270923615},{"word":"that","start":680.45,"end":680.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03424365445971489},{"word":"with","start":680.69,"end":680.85004,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.020757369697093964},{"word":"the","start":680.85004,"end":681.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025173522531986237},{"word":"wheel","start":681.01,"end":681.51,"confidence":0.9782715,"punctuated_word":"wheel.","sentiment":"neutral","sentiment_score":0.03095526248216629},{"word":"alright","start":682.21,"end":682.53,"confidence":0.7305908,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.2657344937324524},{"word":"i'll","start":682.53,"end":682.69,"confidence":0.98217773,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22299450635910031},{"word":"have","start":682.69,"end":682.77,"confidence":0.93603516,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14254100620746613},{"word":"to","start":682.77,"end":682.85004,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1220945566892624},{"word":"i'll","start":682.85004,"end":683.01,"confidence":0.9926758,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15634983777999878},{"word":"have","start":683.01,"end":683.09,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1627463698387146},{"word":"to","start":683.09,"end":683.25,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16919812560081482},{"word":"double","start":683.25,"end":683.49,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.1404796689748764},{"word":"check","start":683.49,"end":683.65,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.17166472971439362},{"word":"that","start":683.65,"end":683.81,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19670502841472623},{"word":"with","start":683.81,"end":683.89,"confidence":0.9614258,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20136651396751404},{"word":"my","start":683.89,"end":684.05005,"confidence":0.44213867,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2540844976902008},{"word":"solicitor","start":684.05005,"end":684.55005,"confidence":0.5942993,"punctuated_word":"solicitor.","sentiment":"neutral","sentiment_score":0.2036970853805542},{"word":"yep","start":693.955,"end":694.455,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19250273704528809},{"word":"yep","start":696.675,"end":697.175,"confidence":0.99658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09637880325317384},{"word":"yep","start":703.555,"end":704.055,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20991015434265137},{"word":"yep","start":704.995,"end":705.495,"confidence":0.9980469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1113847643136978},{"word":"yep","start":716.94,"end":717.44,"confidence":0.9655762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12852251529693604},{"word":"yep","start":719.045,"end":719.285,"confidence":0.9680176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.061137109994888306},{"word":"no","start":719.285,"end":719.605,"confidence":0.75756836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10865513235330582},{"word":"i'm","start":719.605,"end":719.685,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13998548686504364},{"word":"happy","start":719.685,"end":719.925,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.16103005409240723},{"word":"with","start":719.925,"end":720.085,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1988575309514999},{"word":"all","start":720.085,"end":720.165,"confidence":0.91503906,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.18674202263355255},{"word":"that","start":720.165,"end":720.40497,"confidence":0.9741211,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06591684371232986},{"word":"that","start":720.40497,"end":720.565,"confidence":0.52978516,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.25618335604667664},{"word":"still","start":720.565,"end":720.805,"confidence":0.40771484,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.17649754881858826},{"word":"sounds","start":720.805,"end":720.96497,"confidence":0.9892578,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.30937010049819946},{"word":"good","start":720.96497,"end":721.205,"confidence":0.9980469,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2619246244430542},{"word":"still","start":721.205,"end":721.705,"confidence":0.93896484,"punctuated_word":"still.","sentiment":"neutral","sentiment_score":0.11178965866565704},{"word":"still","start":721.845,"end":722.245,"confidence":0.90527344,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":0.19000884890556335},{"word":"still","start":722.245,"end":722.40497,"confidence":0.91259766,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10723157972097395},{"word":"still","start":722.40497,"end":722.90497,"confidence":0.8881836,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.06351959705352783},{"word":"working","start":723.045,"end":723.545,"confidence":0.9790039,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.0578884482383728},{"word":"yep","start":728.005,"end":728.505,"confidence":0.9890137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05024239420890808},{"word":"mhmm","start":729.525,"end":730.025,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05053365230560303},{"word":"yep","start":730.085,"end":730.585,"confidence":0.9995117,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09743596613407136},{"word":"email","start":731.16,"end":731.48,"confidence":0.44433594,"punctuated_word":"Email","sentiment":"neutral","sentiment_score":0.18903225660324097},{"word":"to","start":731.48,"end":731.56,"confidence":0.29858398,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1178814247250557},{"word":"me","start":731.56,"end":731.64,"confidence":0.890625,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.17397074401378632},{"word":"i'll","start":731.64,"end":731.72,"confidence":0.81347656,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1702251136302948},{"word":"get","start":731.72,"end":731.88,"confidence":0.9892578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1564450562000275},{"word":"it","start":731.88,"end":731.96,"confidence":0.85839844,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15464670956134796},{"word":"signed","start":731.96,"end":732.2,"confidence":0.28320312,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.15062154829502106},{"word":"today","start":732.2,"end":732.36,"confidence":0.7397461,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.18128728866577148},{"word":"i'm","start":732.36,"end":732.44,"confidence":0.95825195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.17432765662670135},{"word":"back","start":732.44,"end":732.52,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.17470934987068176},{"word":"to","start":732.52,"end":732.6,"confidence":0.84277344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17230874300003052},{"word":"you","start":732.6,"end":732.83997,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17997504770755768},{"word":"today","start":732.83997,"end":733.33997,"confidence":0.96875,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.17030134797096252},{"word":"no","start":737.56,"end":737.8,"confidence":0.9875488,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.029112735763192177},{"word":"i'll","start":737.8,"end":737.88,"confidence":0.8679199,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.003465034067630768},{"word":"just","start":737.88,"end":738.04,"confidence":0.97998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00902312621474266},{"word":"print","start":738.04,"end":738.27997,"confidence":0.97314453,"punctuated_word":"print","sentiment":"neutral","sentiment_score":-0.029952790588140488},{"word":"it","start":738.27997,"end":738.36,"confidence":0.8378906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017454590648412704},{"word":"out","start":738.36,"end":738.52,"confidence":0.97998047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02112874761223793},{"word":"now","start":738.52,"end":738.83997,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.0106876902282238},{"word":"yeah","start":738.83997,"end":739.0,"confidence":0.9560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08958503603935242},{"word":"just","start":739.0,"end":739.16,"confidence":0.95947266,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09527161717414856},{"word":"send","start":739.16,"end":739.32,"confidence":0.99609375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10552644729614258},{"word":"me","start":739.32,"end":739.39996,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12500467896461487},{"word":"an","start":739.39996,"end":739.56,"confidence":0.62646484,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14638102054595947},{"word":"email","start":739.56,"end":739.8,"confidence":0.9736328,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.11743047833442688},{"word":"i'll","start":739.8,"end":739.96,"confidence":0.9785156,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1252787858247757},{"word":"get","start":739.96,"end":740.04,"confidence":0.9951172,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12446882575750352},{"word":"it","start":740.04,"end":740.12,"confidence":0.9536133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1276620775461197},{"word":"printed","start":740.12,"end":740.44,"confidence":0.99902344,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":0.12267957627773284},{"word":"printed","start":740.44,"end":740.68,"confidence":0.8520508,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":0.11553113162517548},{"word":"while","start":740.68,"end":740.83997,"confidence":0.9951172,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.1055070459842682},{"word":"i'm","start":740.83997,"end":741.0,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1268849819898605},{"word":"at","start":741.0,"end":741.16,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08484252542257309},{"word":"work","start":741.16,"end":741.39996,"confidence":0.9946289,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.1207241415977478},{"word":"i'll","start":741.39996,"end":741.64,"confidence":0.986084,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15261134505271912},{"word":"get","start":741.64,"end":741.88,"confidence":0.9560547,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15363426506519318},{"word":"it","start":741.88,"end":741.96,"confidence":0.8491211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14337733387947085},{"word":"assigned","start":741.96,"end":742.27997,"confidence":0.37426758,"punctuated_word":"assigned","sentiment":"neutral","sentiment_score":0.16819091141223907},{"word":"it","start":742.27997,"end":742.44,"confidence":0.7470703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.15053445100784302},{"word":"i'll","start":742.44,"end":742.52,"confidence":0.75756836,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16732101142406464},{"word":"go","start":742.52,"end":742.68,"confidence":0.93115234,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19167150557041168},{"word":"witness","start":742.68,"end":743.08,"confidence":0.75439453,"punctuated_word":"witness","sentiment":"neutral","sentiment_score":0.1449250876903534},{"word":"here","start":743.08,"end":743.24,"confidence":0.8251953,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.21655961871147156},{"word":"so","start":743.24,"end":743.39996,"confidence":0.63916016,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2397380173206329},{"word":"i","start":743.39996,"end":743.48,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2300988882780075},{"word":"can","start":743.48,"end":743.72,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.25914716720581055},{"word":"get","start":743.72,"end":743.88,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2582193613052368},{"word":"it","start":743.88,"end":743.96,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25235217809677124},{"word":"all","start":743.96,"end":744.12,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27395525574684143},{"word":"done","start":744.12,"end":744.36,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.24148207902908325},{"word":"today","start":744.36,"end":744.855,"confidence":0.99902344,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.26741713285446167},{"word":"not","start":747.57495,"end":747.815,"confidence":0.55078125,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.026973161846399307},{"word":"not","start":747.815,"end":748.21497,"confidence":0.9790039,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.026638217270374295},{"word":"ag","start":748.21497,"end":748.71497,"confidence":0.6627197,"punctuated_word":"AG.","sentiment":"neutral","sentiment_score":-0.0008205557242035866},{"word":"yep","start":752.855,"end":753.355,"confidence":0.9628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04722245782613754},{"word":"yep","start":754.055,"end":754.555,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04194825887680054},{"word":"yep","start":755.415,"end":755.915,"confidence":0.99609375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17944113910198212},{"word":"perfect","start":756.935,"end":757.435,"confidence":0.9147949,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3471602201461792},{"word":"nope","start":759.175,"end":759.63,"confidence":0.7561035,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.030051443725824356},{"word":"oh","start":763.31,"end":763.81,"confidence":0.6928711,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2010419070720673},{"word":"sounds","start":764.03,"end":764.35,"confidence":0.9873047,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.8052040338516235},{"word":"great","start":764.35,"end":764.67,"confidence":0.99853516,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.7966557741165161},{"word":"thanks","start":764.67,"end":764.99,"confidence":0.99560547,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.8491467237472534},{"word":"man","start":764.99,"end":765.49,"confidence":0.9975586,"punctuated_word":"man.","sentiment":"positive","sentiment_score":0.8273767828941345},{"word":"so","start":765.945,"end":766.445,"confidence":0.3395996,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7372614145278931},{"word":"yeah","start":767.15,"end":767.65,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.3036647439002991},{"word":"bye","start":767.71,"end":768.21,"confidence":0.9916992,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.3336736857891083}],"paragraphs":{"transcript":"\nHello? Good night. Yeah. Come on. How can I help?\n\nYeah. Yep. It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park. Yep. I can do it either.\n\nI'll wait. I'll be able to look for about five minutes. Yep. Yep. That's fine.\n\nOkay. Thank you. Have a great day. You too. Alright.\n\nSorry about that. Yeah. So he's I've got, yeah, I've got the email. Yeah. He just sent me to Hub twenty four last year away from Netwealth.\n\nBasically, similar thing. No. Like, every every super, it's, you know, fees fees down and try and make me as much money as you can. Yep. Yep.\n\nHigh risk is high gain, but at high risk is the risk part. So there is risk that you can piss it away. So Yep. Yep. Pretty much that's exactly it.\n\nYep. Yep. So at the moment, the market average. So I changed from I basically changed from Australian Super and EISS. It was in both of come over to Netwealth originally.\n\nEnergy Industry Superfund. Yep. And then I went from Netwealth to Hub. So I said I I said I'd stick it out as much as I can. And, like, if it's performing quite super and better than the ISS, then it's worth me being there.\n\nBut if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two. But if it's performing better than them, then it's worth me being there. But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better. So it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was. Otherwise, why would I be there just to lose money?\n\nYou know? Then I just get my AGM letter. I don't have any checkups. I don't have to say how I want the money spent. It's just that you guys are a a bigger fund with the one one task of basically being better than the rest.\n\nYes. Yep. Yep. Yep. Yeah.\n\nAnd that's pretty much what it when when I signed up. That was the reason to sign up. The fees were higher, but the returns were higher. So the returns outweighed the extra fees to what you were gonna get charged before. The only difference was that you guys doing your annual checkup.\n\nA bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent. So I get that you guys can tailor each one to each point. But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in my sense. Yep. Yep.\n\nYep. Correct. Yep. Sorry. K.\n\nYep. Mhmm. No. I'm not. But once he once he is pretty well enough, like, I don't really need it.\n\nIf there's anything drastic that happens, I figure you can email me anyway. But you guys are the financial experts so you can see how the market's going. So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you? Or do you have to ring to that at the moment? Yeah.\n\nWell, I figure you guys are gonna explain the pros. What this is to what because these are any advisers. So that's a if you do lose it, they'll come and hunt you down pretty much. Still can, but but that's that's why. Like, I'm in this I'm in a similar position running a Caribbean dealership.\n\nI can point people into which van's gonna suit. If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess. That's your field. This is my field. So for me, I know everything about what I have to do here.\n\nNo different for you guys doing your job. I'd like to think that you know what you're doing with the area that you're working in. So I'm just going with what you guys recommend. And yeah. Yep.\n\nYep. Appreciate it. No. Otherwise yeah. I'm happy, mate.\n\nFrom outperforming the other two where I was, then it's worth being there. So we can ask. Yep. Yep. Mhmm.\n\nYep. Oh, sounds fantastic. Yeah. About that. Yep.\n\nYep. Yep. Yep. No. Identical.\n\nProbably. Well, I should have had a wheel. I probably should have had a wheel review. I've had a wheel since 2014 when I lost my son. Yeah.\n\nI've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months ago. It's the only thing I've gotta change. I've made everything still the same. It's just gonna change address that I own. Other than that, everything else in the world is the same.\n\nI don't know. It goes to Amanda. Everything yeah. It doesn't none of that changes. So Yeah.\n\nAs far as I know as far as I know, we've already done that with the wheel. Alright. I'll have to I'll have to double check that with my solicitor. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nI'm happy with all that. That still sounds good still. Still still still working. Yep. Mhmm.\n\nYep. Email to me. I'll get it signed today. I'm back to you today. No.\n\nI'll just print it out now. Yeah. Just send me an email. I'll get it printed printed while I'm at work. I'll get it assigned it.\n\nI'll go witness here so I can get it all done today. Not not AG. Yep. Yep. Yep.\n\nPerfect. Nope. Oh, sounds great. Thanks, man. So yeah.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.05027693137526512},{"text":"Good night.","start":6.3199997,"end":6.98,"sentiment":"positive","sentiment_score":0.5164069980382919},{"text":"Yeah.","start":10.8,"end":11.2,"sentiment":"neutral","sentiment_score":0.27948904037475586},{"text":"Come on.","start":11.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.22439922392368317},{"text":"How can I help?","start":11.679999,"end":12.66,"sentiment":"neutral","sentiment_score":0.22778628021478653}],"sentiment":"neutral","sentiment_score":0.27225235365331174,"num_words":10,"start":0.48,"end":12.66},{"sentences":[{"text":"Yeah.","start":17.994999,"end":18.494999,"sentiment":"neutral","sentiment_score":0.2659544348716736},{"text":"Yep.","start":28.59,"end":29.09,"sentiment":"neutral","sentiment_score":0.17063698172569275},{"text":"It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park.","start":40.665,"end":46.365,"sentiment":"neutral","sentiment_score":0.025925031304359435},{"text":"Yep.","start":54.83,"end":55.33,"sentiment":"neutral","sentiment_score":0.1509893536567688},{"text":"I can do it either.","start":60.99,"end":62.45,"sentiment":"neutral","sentiment_score":0.030283908173441888}],"sentiment":"neutral","sentiment_score":0.055458368009163275,"num_words":18,"start":17.994999,"end":62.45},{"sentences":[{"text":"I'll wait.","start":63.23,"end":63.71,"sentiment":"neutral","sentiment_score":0.05691051110625267},{"text":"I'll be able to look for about five minutes.","start":63.71,"end":65.97,"sentiment":"neutral","sentiment_score":0.061985291126701564},{"text":"Yep.","start":76.645004,"end":77.125,"sentiment":"neutral","sentiment_score":0.11151047796010972},{"text":"Yep.","start":77.125,"end":77.365005,"sentiment":"neutral","sentiment_score":0.13923077285289764},{"text":"That's fine.","start":77.365005,"end":78.185005,"sentiment":"positive","sentiment_score":0.3346190005540848}],"sentiment":"neutral","sentiment_score":0.10611119295159975,"num_words":15,"start":63.23,"end":78.185005},{"sentences":[{"text":"Okay.","start":108.46,"end":108.700005,"sentiment":"neutral","sentiment_score":0.2704576253890991},{"text":"Thank you.","start":108.700005,"end":109.18,"sentiment":"positive","sentiment_score":0.4621550142765045},{"text":"Have a great day.","start":109.18,"end":109.82,"sentiment":"positive","sentiment_score":0.568822517991066},{"text":"You too.","start":109.82,"end":110.4,"sentiment":"neutral","sentiment_score":0.20704220235347748},{"text":"Alright.","start":111.18,"end":111.68,"sentiment":"neutral","sentiment_score":0.04442635923624039}],"sentiment":"positive","sentiment_score":0.39285684898495676,"num_words":10,"start":108.46,"end":111.68},{"sentences":[{"text":"Sorry about that.","start":111.82,"end":112.880005,"sentiment":"neutral","sentiment_score":-0.06113820895552635},{"text":"Yeah.","start":113.340004,"end":113.66,"sentiment":"neutral","sentiment_score":-0.04942157492041588},{"text":"So he's I've got, yeah, I've got the email.","start":113.66,"end":116.14,"sentiment":"neutral","sentiment_score":-0.003237723579837216},{"text":"Yeah.","start":116.14,"end":116.3,"sentiment":"neutral","sentiment_score":0.020290793851017952},{"text":"He just sent me to Hub twenty four last year away from Netwealth.","start":116.3,"end":121.92,"sentiment":"neutral","sentiment_score":0.0032594565015572766}],"sentiment":"neutral","sentiment_score":-0.007381925393861753,"num_words":27,"start":111.82,"end":121.92},{"sentences":[{"text":"Basically, similar thing.","start":125.924995,"end":127.384995,"sentiment":"neutral","sentiment_score":0.04590574403603872},{"text":"No.","start":130.64499,"end":131.125,"sentiment":"neutral","sentiment_score":-0.05233416706323624},{"text":"Like, every every super, it's, you know, fees fees down and try and make me as much money as you can.","start":131.125,"end":137.625,"sentiment":"neutral","sentiment_score":0.01440198187317167},{"text":"Yep.","start":148.88,"end":149.38,"sentiment":"neutral","sentiment_score":0.08585436642169952},{"text":"Yep.","start":150.08,"end":150.58,"sentiment":"neutral","sentiment_score":0.11977849900722504}],"sentiment":"neutral","sentiment_score":0.02197990925223739,"num_words":27,"start":125.924995,"end":150.58},{"sentences":[{"text":"High risk is high gain, but at high risk is the risk part.","start":150.99501,"end":154.755,"sentiment":"neutral","sentiment_score":-0.1075587198138237},{"text":"So there is risk that you can piss it away.","start":154.755,"end":157.63501,"sentiment":"neutral","sentiment_score":-0.33133296519517896},{"text":"So Yep.","start":157.63501,"end":166.45001,"sentiment":"neutral","sentiment_score":-0.006971465423703194},{"text":"Yep.","start":168.43001,"end":168.93001,"sentiment":"neutral","sentiment_score":0.048166461288928986},{"text":"Pretty much that's exactly it.","start":179.605,"end":181.385,"sentiment":"neutral","sentiment_score":0.25241072475910187}],"sentiment":"neutral","sentiment_score":-0.11017147920304729,"num_words":31,"start":150.99501,"end":181.385},{"sentences":[{"text":"Yep.","start":213.27501,"end":213.77501,"sentiment":"neutral","sentiment_score":0.08444517105817795},{"text":"Yep.","start":225.84001,"end":226.32,"sentiment":"neutral","sentiment_score":0.05409136041998863},{"text":"So at the moment, the market average.","start":226.32,"end":229.46,"sentiment":"neutral","sentiment_score":0.004661201898540769},{"text":"So I changed from I basically changed from Australian Super and EISS.","start":231.44,"end":237.185,"sentiment":"neutral","sentiment_score":0.027864934721340735},{"text":"It was in both of come over to Netwealth originally.","start":239.88501,"end":244.865,"sentiment":"neutral","sentiment_score":0.04486587643623352}],"sentiment":"neutral","sentiment_score":0.030780739541496,"num_words":31,"start":213.27501,"end":244.865},{"sentences":[{"text":"Energy Industry Superfund.","start":246.285,"end":247.825,"sentiment":"neutral","sentiment_score":0.04159278174241384},{"text":"Yep.","start":249.1,"end":249.5,"sentiment":"neutral","sentiment_score":0.09975087642669678},{"text":"And then I went from Netwealth to Hub.","start":249.5,"end":252.64,"sentiment":"neutral","sentiment_score":0.05936992820352316},{"text":"So I said I I said I'd stick it out as much as I can.","start":253.98,"end":258.16,"sentiment":"neutral","sentiment_score":0.25220894316832226},{"text":"And, like, if it's performing quite super and better than the ISS, then it's worth me being there.","start":258.54,"end":265.435,"sentiment":"positive","sentiment_score":0.3483228385448456}],"sentiment":"neutral","sentiment_score":0.23894297530253727,"num_words":45,"start":246.285,"end":265.435},{"sentences":[{"text":"But if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two.","start":265.735,"end":278.31,"sentiment":"neutral","sentiment_score":-0.29834602191112936},{"text":"But if it's performing better than them, then it's worth me being there.","start":278.55,"end":284.79,"sentiment":"neutral","sentiment_score":-0.00953689504128236},{"text":"But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better.","start":284.79,"end":295.69498,"sentiment":"negative","sentiment_score":-0.46259977038090044},{"text":"So it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was.","start":296.235,"end":316.40002,"sentiment":"neutral","sentiment_score":0.1098591680752068},{"text":"Otherwise, why would I be there just to lose money?","start":316.40002,"end":318.74002,"sentiment":"negative","sentiment_score":-0.3490074321627617}],"sentiment":"neutral","sentiment_score":-0.16954503932082263,"num_words":122,"start":265.735,"end":318.74002},{"sentences":[{"text":"You know?","start":320.52502,"end":321.105,"sentiment":"neutral","sentiment_score":-0.016669247299432755},{"text":"Then I just get my AGM letter.","start":321.80502,"end":323.98502,"sentiment":"neutral","sentiment_score":0.036702951682465415},{"text":"I don't have any checkups.","start":324.36502,"end":325.885,"sentiment":"neutral","sentiment_score":-0.03249571733176708},{"text":"I don't have to say how I want the money spent.","start":325.885,"end":328.045,"sentiment":"neutral","sentiment_score":0.007059942930936813},{"text":"It's just that you guys are a a bigger fund with the one one task of basically being better than the rest.","start":328.045,"end":338.26,"sentiment":"neutral","sentiment_score":0.24455858902497726}],"sentiment":"neutral","sentiment_score":0.11742663641083748,"num_words":47,"start":320.52502,"end":338.26},{"sentences":[{"text":"Yes.","start":347.205,"end":347.705,"sentiment":"positive","sentiment_score":0.3753631114959717},{"text":"Yep.","start":349.76498,"end":350.26498,"sentiment":"neutral","sentiment_score":0.06938624382019043},{"text":"Yep.","start":362.44,"end":362.94,"sentiment":"positive","sentiment_score":0.3856984078884125},{"text":"Yep.","start":364.52,"end":365.02,"sentiment":"neutral","sentiment_score":0.2426485121250153},{"text":"Yeah.","start":368.6,"end":368.92,"sentiment":"neutral","sentiment_score":0.21102315187454224}],"sentiment":"neutral","sentiment_score":0.2568238854408264,"num_words":5,"start":347.205,"end":368.92},{"sentences":[{"text":"And that's pretty much what it when when I signed up.","start":368.92,"end":371.56,"sentiment":"neutral","sentiment_score":0.18318925527009097},{"text":"That was the reason to sign up.","start":371.56,"end":374.02502,"sentiment":"neutral","sentiment_score":0.14436893377985274},{"text":"The fees were higher, but the returns were higher.","start":374.02502,"end":378.045,"sentiment":"neutral","sentiment_score":0.05027672524253527},{"text":"So the returns outweighed the extra fees to what you were gonna get charged before.","start":378.74503,"end":384.125,"sentiment":"neutral","sentiment_score":0.3090140531460444},{"text":"The only difference was that you guys doing your annual checkup.","start":384.665,"end":389.36002,"sentiment":"neutral","sentiment_score":0.1264102574099194}],"sentiment":"neutral","sentiment_score":0.17931846227004844,"num_words":53,"start":368.92,"end":389.36002},{"sentences":[{"text":"A bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent.","start":389.82,"end":401.04,"sentiment":"neutral","sentiment_score":0.11651658713817596},{"text":"So I get that you guys can tailor each one to each point.","start":401.97498,"end":405.115,"sentiment":"neutral","sentiment_score":0.20623833170303932},{"text":"But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in my sense.","start":406.375,"end":414.93,"sentiment":"neutral","sentiment_score":0.018851074456636394},{"text":"Yep.","start":419.49,"end":419.99,"sentiment":"neutral","sentiment_score":0.15387818217277527},{"text":"Yep.","start":422.28998,"end":422.78998,"sentiment":"neutral","sentiment_score":0.19592168927192688}],"sentiment":"neutral","sentiment_score":0.09663323126733303,"num_words":73,"start":389.82,"end":422.78998},{"sentences":[{"text":"Yep.","start":432.605,"end":433.105,"sentiment":"neutral","sentiment_score":-0.015016240999102592},{"text":"Correct.","start":441.005,"end":441.505,"sentiment":"neutral","sentiment_score":0.0801963359117508},{"text":"Yep.","start":441.565,"end":442.065,"sentiment":"neutral","sentiment_score":0.08524253219366074},{"text":"Sorry.","start":443.325,"end":443.825,"sentiment":"neutral","sentiment_score":-0.002891073003411293},{"text":"K.","start":444.765,"end":445.265,"sentiment":"neutral","sentiment_score":0.05965431034564972}],"sentiment":"neutral","sentiment_score":0.041437172889709474,"num_words":5,"start":432.605,"end":445.265},{"sentences":[{"text":"Yep.","start":446.285,"end":446.785,"sentiment":"neutral","sentiment_score":0.2123495787382126},{"text":"Mhmm.","start":452.63,"end":453.13,"sentiment":"positive","sentiment_score":0.3544014096260071},{"text":"No.","start":479.00998,"end":479.25,"sentiment":"neutral","sentiment_score":-0.13888108730316162},{"text":"I'm not.","start":479.25,"end":479.91,"sentiment":"neutral","sentiment_score":-0.15795712918043137},{"text":"But once he once he is pretty well enough, like, I don't really need it.","start":480.05,"end":484.21,"sentiment":"neutral","sentiment_score":-0.23667193005482356}],"sentiment":"neutral","sentiment_score":-0.1719061654061079,"num_words":20,"start":446.285,"end":484.21},{"sentences":[{"text":"If there's anything drastic that happens, I figure you can email me anyway.","start":484.21,"end":487.59,"sentiment":"neutral","sentiment_score":-0.10599968353143105},{"text":"But you guys are the financial experts so you can see how the market's going.","start":488.92502,"end":494.545,"sentiment":"neutral","sentiment_score":0.09903259525696437},{"text":"So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you?","start":494.845,"end":507.83002,"sentiment":"neutral","sentiment_score":0.05480868546053385},{"text":"Or do you have to ring to that at the moment?","start":508.77002,"end":510.71,"sentiment":"neutral","sentiment_score":-0.0031959324736486783},{"text":"Yeah.","start":520.565,"end":521.045,"sentiment":"neutral","sentiment_score":0.08831236511468887}],"sentiment":"neutral","sentiment_score":0.029090998529256146,"num_words":79,"start":484.21,"end":521.045},{"sentences":[{"text":"Well, I figure you guys are gonna explain the pros.","start":521.045,"end":523.445,"sentiment":"neutral","sentiment_score":0.0402286421507597},{"text":"What this is to what because these are any advisers.","start":523.445,"end":525.545,"sentiment":"neutral","sentiment_score":-0.011651612073183059},{"text":"So that's a if you do lose it, they'll come and hunt you down pretty much.","start":525.765,"end":532.41003,"sentiment":"neutral","sentiment_score":-0.14603867405094206},{"text":"Still can, but but that's that's why.","start":533.91003,"end":536.55,"sentiment":"neutral","sentiment_score":-0.01132407704634326},{"text":"Like, I'm in this I'm in a similar position running a Caribbean dealership.","start":536.55,"end":539.93,"sentiment":"neutral","sentiment_score":0.039000231629380815}],"sentiment":"neutral","sentiment_score":-0.02898417878895998,"num_words":56,"start":521.045,"end":539.93},{"sentences":[{"text":"I can point people into which van's gonna suit.","start":540.47003,"end":542.89,"sentiment":"neutral","sentiment_score":0.06452271300885412},{"text":"If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess.","start":542.95,"end":548.335,"sentiment":"neutral","sentiment_score":-0.08880107026351125},{"text":"That's your field.","start":548.955,"end":549.755,"sentiment":"neutral","sentiment_score":0.07038268695274989},{"text":"This is my field.","start":549.755,"end":550.815,"sentiment":"neutral","sentiment_score":0.10100333578884602},{"text":"So for me, I know everything about what I have to do here.","start":551.91504,"end":556.17505,"sentiment":"neutral","sentiment_score":0.22563301943815672}],"sentiment":"neutral","sentiment_score":0.05087239039130509,"num_words":48,"start":540.47003,"end":556.17505},{"sentences":[{"text":"No different for you guys doing your job.","start":556.23505,"end":557.755,"sentiment":"neutral","sentiment_score":0.15104670263826847},{"text":"I'd like to think that you know what you're doing with the area that you're working in.","start":557.755,"end":561.76,"sentiment":"neutral","sentiment_score":0.2076894001049154},{"text":"So I'm just going with what you guys recommend.","start":562.86,"end":565.04,"sentiment":"neutral","sentiment_score":0.3311075170834859},{"text":"And yeah.","start":566.3,"end":575.36,"sentiment":"positive","sentiment_score":0.5251915454864502},{"text":"Yep.","start":577.145,"end":577.645,"sentiment":"neutral","sentiment_score":0.06733760237693787}],"sentiment":"neutral","sentiment_score":0.23883193972948435,"num_words":37,"start":556.23505,"end":577.645},{"sentences":[{"text":"Yep.","start":581.78503,"end":582.265,"sentiment":"neutral","sentiment_score":-0.039739515632390976},{"text":"Appreciate it.","start":582.265,"end":583.085,"sentiment":"neutral","sentiment_score":0.13485844433307648},{"text":"No.","start":584.025,"end":584.265,"sentiment":"neutral","sentiment_score":0.01107749529182911},{"text":"Otherwise yeah.","start":584.265,"end":584.985,"sentiment":"neutral","sentiment_score":0.12980275973677635},{"text":"I'm happy, mate.","start":584.985,"end":585.705,"sentiment":"positive","sentiment_score":0.6438031395276388}],"sentiment":"neutral","sentiment_score":0.27022997848689556,"num_words":9,"start":581.78503,"end":585.705},{"sentences":[{"text":"From outperforming the other two where I was, then it's worth being there.","start":585.705,"end":589.145,"sentiment":"positive","sentiment_score":0.3985949353529857},{"text":"So we can ask.","start":589.145,"end":590.205,"sentiment":"neutral","sentiment_score":0.31549081206321716},{"text":"Yep.","start":597.11,"end":597.61,"sentiment":"neutral","sentiment_score":0.13423733413219452},{"text":"Yep.","start":600.39,"end":600.89,"sentiment":"neutral","sentiment_score":0.04228886216878891},{"text":"Mhmm.","start":603.83,"end":604.33,"sentiment":"neutral","sentiment_score":0.03171426057815552}],"sentiment":"neutral","sentiment_score":0.3325968932360411,"num_words":20,"start":585.705,"end":604.33},{"sentences":[{"text":"Yep.","start":606.09503,"end":606.59503,"sentiment":"neutral","sentiment_score":0.06973975151777267},{"text":"Oh, sounds fantastic.","start":607.215,"end":608.35504,"sentiment":"positive","sentiment_score":0.5045461654663086},{"text":"Yeah.","start":616.41504,"end":616.655,"sentiment":"neutral","sentiment_score":0.014937149360775948},{"text":"About that.","start":616.655,"end":617.215,"sentiment":"neutral","sentiment_score":0.027437700890004635},{"text":"Yep.","start":617.215,"end":617.61505,"sentiment":"neutral","sentiment_score":0.03894331678748131}],"sentiment":"neutral","sentiment_score":0.21151676448062062,"num_words":8,"start":606.09503,"end":617.61505},{"sentences":[{"text":"Yep.","start":617.61505,"end":618.11505,"sentiment":"neutral","sentiment_score":0.03567391261458397},{"text":"Yep.","start":620.86,"end":621.36,"sentiment":"neutral","sentiment_score":0.02731642685830593},{"text":"Yep.","start":621.82,"end":622.32,"sentiment":"neutral","sentiment_score":0.02457931637763977},{"text":"No.","start":623.42,"end":623.92,"sentiment":"neutral","sentiment_score":0.0033768117427825928},{"text":"Identical.","start":626.77997,"end":627.27997,"sentiment":"neutral","sentiment_score":0.20181943476200104}],"sentiment":"neutral","sentiment_score":0.05855318047106266,"num_words":5,"start":617.61505,"end":627.27997},{"sentences":[{"text":"Probably.","start":634.865,"end":635.365,"sentiment":"neutral","sentiment_score":0.004686627071350813},{"text":"Well, I should have had a wheel.","start":635.425,"end":636.385,"sentiment":"neutral","sentiment_score":-0.015038938128522463},{"text":"I probably should have had a wheel review.","start":636.385,"end":638.545,"sentiment":"neutral","sentiment_score":-0.019428471103310585},{"text":"I've had a wheel since 2014 when I lost my son.","start":638.545,"end":643.205,"sentiment":"neutral","sentiment_score":-0.03364121676845984},{"text":"Yeah.","start":647.55,"end":647.95,"sentiment":"neutral","sentiment_score":-0.025852635502815247}],"sentiment":"neutral","sentiment_score":-0.023282847450380877,"num_words":28,"start":634.865,"end":647.95},{"sentences":[{"text":"I've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months ago.","start":647.95,"end":655.97003,"sentiment":"neutral","sentiment_score":-0.04661019604342679},{"text":"It's the only thing I've gotta change.","start":656.11,"end":657.31,"sentiment":"neutral","sentiment_score":-0.05544450293694224},{"text":"I've made everything still the same.","start":657.31,"end":658.59,"sentiment":"neutral","sentiment_score":0.013478755097215375},{"text":"It's just gonna change address that I own.","start":658.59,"end":660.825,"sentiment":"neutral","sentiment_score":0.012995755532756448},{"text":"Other than that, everything else in the world is the same.","start":661.145,"end":663.485,"sentiment":"neutral","sentiment_score":0.029002264311367817}],"sentiment":"neutral","sentiment_score":-0.01790879898804373,"num_words":56,"start":647.95,"end":663.485},{"sentences":[{"text":"I don't know.","start":664.10504,"end":664.505,"sentiment":"neutral","sentiment_score":0.09875420480966568},{"text":"It goes to Amanda.","start":664.505,"end":665.305,"sentiment":"neutral","sentiment_score":0.04709103284403682},{"text":"Everything yeah.","start":665.305,"end":666.185,"sentiment":"neutral","sentiment_score":0.08118514716625214},{"text":"It doesn't none of that changes.","start":666.185,"end":668.125,"sentiment":"neutral","sentiment_score":0.04884907603263855},{"text":"So Yeah.","start":668.265,"end":678.13,"sentiment":"neutral","sentiment_score":0.013646889943629503}],"sentiment":"neutral","sentiment_score":0.05690501624827876,"num_words":17,"start":664.10504,"end":678.13},{"sentences":[{"text":"As far as I know as far as I know, we've already done that with the wheel.","start":678.13,"end":681.51,"sentiment":"neutral","sentiment_score":0.013117302565232795},{"text":"Alright.","start":682.21,"end":682.53,"sentiment":"neutral","sentiment_score":0.2657344937324524},{"text":"I'll have to I'll have to double check that with my solicitor.","start":682.53,"end":684.55005,"sentiment":"neutral","sentiment_score":0.17866016055146852},{"text":"Yep.","start":693.955,"end":694.455,"sentiment":"neutral","sentiment_score":0.19250273704528809},{"text":"Yep.","start":696.675,"end":697.175,"sentiment":"neutral","sentiment_score":0.09637880325317384}],"sentiment":"neutral","sentiment_score":0.0912978782580467,"num_words":32,"start":678.13,"end":697.175},{"sentences":[{"text":"Yep.","start":703.555,"end":704.055,"sentiment":"neutral","sentiment_score":0.20991015434265137},{"text":"Yep.","start":704.995,"end":705.495,"sentiment":"neutral","sentiment_score":0.1113847643136978},{"text":"Yep.","start":716.94,"end":717.44,"sentiment":"neutral","sentiment_score":0.12852251529693604},{"text":"Yep.","start":719.045,"end":719.285,"sentiment":"neutral","sentiment_score":0.061137109994888306},{"text":"No.","start":719.285,"end":719.605,"sentiment":"neutral","sentiment_score":-0.10865513235330582}],"sentiment":"neutral","sentiment_score":0.08045988231897354,"num_words":5,"start":703.555,"end":719.605},{"sentences":[{"text":"I'm happy with all that.","start":719.605,"end":720.40497,"sentiment":"neutral","sentiment_score":-0.15050638765096663},{"text":"That still sounds good still.","start":720.40497,"end":721.705,"sentiment":"neutral","sentiment_score":0.2231530576944351},{"text":"Still still still working.","start":721.845,"end":723.545,"sentiment":"neutral","sentiment_score":0.10466211847960949},{"text":"Yep.","start":728.005,"end":728.505,"sentiment":"neutral","sentiment_score":0.05024239420890808},{"text":"Mhmm.","start":729.525,"end":730.025,"sentiment":"neutral","sentiment_score":0.05053365230560303}],"sentiment":"neutral","sentiment_score":0.055166116915643215,"num_words":16,"start":719.605,"end":730.025},{"sentences":[{"text":"Yep.","start":730.085,"end":730.585,"sentiment":"neutral","sentiment_score":0.09743596613407136},{"text":"Email to me.","start":731.16,"end":731.64,"sentiment":"neutral","sentiment_score":0.160294808447361},{"text":"I'll get it signed today.","start":731.64,"end":732.36,"sentiment":"neutral","sentiment_score":0.16264514327049256},{"text":"I'm back to you today.","start":732.36,"end":733.33997,"sentiment":"neutral","sentiment_score":0.17432442903518677},{"text":"No.","start":737.56,"end":737.8,"sentiment":"neutral","sentiment_score":-0.029112735763192177}],"sentiment":"neutral","sentiment_score":0.14893703448275725,"num_words":15,"start":730.085,"end":737.8},{"sentences":[{"text":"I'll just print it out now.","start":737.8,"end":738.83997,"sentiment":"neutral","sentiment_score":-0.004679850613077481},{"text":"Yeah.","start":738.83997,"end":739.0,"sentiment":"neutral","sentiment_score":0.08958503603935242},{"text":"Just send me an email.","start":739.0,"end":739.8,"sentiment":"neutral","sentiment_score":0.11792284846305848},{"text":"I'll get it printed printed while I'm at work.","start":739.8,"end":741.39996,"sentiment":"neutral","sentiment_score":0.11706434355841742},{"text":"I'll get it assigned it.","start":741.39996,"end":742.44,"sentiment":"neutral","sentiment_score":0.15366966128349305}],"sentiment":"neutral","sentiment_score":0.09511721435074623,"num_words":26,"start":737.8,"end":742.44},{"sentences":[{"text":"I'll go witness here so I can get it all done today.","start":742.44,"end":744.855,"sentiment":"neutral","sentiment_score":0.22857394193609556},{"text":"Not not AG.","start":747.57495,"end":748.71497,"sentiment":"neutral","sentiment_score":-0.01814397828032573},{"text":"Yep.","start":752.855,"end":753.355,"sentiment":"neutral","sentiment_score":0.04722245782613754},{"text":"Yep.","start":754.055,"end":754.555,"sentiment":"neutral","sentiment_score":0.04194825887680054},{"text":"Yep.","start":755.415,"end":755.915,"sentiment":"neutral","sentiment_score":0.17944113910198212}],"sentiment":"neutral","sentiment_score":0.16428151245539388,"num_words":18,"start":742.44,"end":755.915},{"sentences":[{"text":"Perfect.","start":756.935,"end":757.435,"sentiment":"positive","sentiment_score":0.3471602201461792},{"text":"Nope.","start":759.175,"end":759.63,"sentiment":"neutral","sentiment_score":-0.030051443725824356},{"text":"Oh, sounds great.","start":763.31,"end":764.67,"sentiment":"positive","sentiment_score":0.6009672383467356},{"text":"Thanks, man.","start":764.67,"end":765.49,"sentiment":"positive","sentiment_score":0.838261753320694},{"text":"So yeah.","start":765.945,"end":767.65,"sentiment":"positive","sentiment_score":0.5204630792140961}],"sentiment":"positive","sentiment_score":0.5374955729477935,"num_words":9,"start":756.935,"end":767.65},{"sentences":[{"text":"Bye.","start":767.71,"end":768.21,"sentiment":"positive","sentiment_score":0.3336736857891083}],"sentiment":"positive","sentiment_score":0.3336736857891083,"num_words":1,"start":767.71,"end":768.21}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Ryan. It's Tommy here, senior adviser from. How are you going?\n\nChannel 1: Good night.\n\nChannel 0: Living the dream, I hope.\n\nChannel 1: Yeah. Come on. How can I help?\n\nChannel 0: Mate, I'm just giving you a call to go through your annual review if you still have a bit of time.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Cool. So we've got the call is recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Mate, could you please confirm your date of birth and address for me?\n\nChannel 1: It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park.\n\nChannel 0: Thank you so much for that. I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety. Will you be able to look\n\nChannel 1: Yep.\n\nChannel 0: on to the email pack with me today, or should I just walk you through the documents?\n\nChannel 1: I can do it either.\n\nChannel 0: Yep.\n\nChannel 1: I'll wait. I'll be able to look for about five minutes.\n\nChannel 0: Yeah. That's no worries at all. I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together. Is that alright?\n\nChannel 1: Yep. Yep. That's fine.\n\nChannel 0: Perfect. So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well.\n\nChannel 1: Okay. Thank you. Have a great day. You too. Alright.\n\nSorry about that.\n\nChannel 0: No\n\nChannel 1: Yeah.\n\nChannel 0: worries\n\nChannel 1: So\n\nChannel 0: at\n\nChannel 1: he's\n\nChannel 0: all. Right?\n\nChannel 1: I've got, yeah, I've got the email. Yeah. He just sent me to Hub twenty four last year\n\nChannel 0: Yep.\n\nChannel 1: away from Netwealth.\n\nChannel 0: Perfect. Now is there anything in particular\n\nChannel 1: Basically,\n\nChannel 0: that\n\nChannel 1: similar\n\nChannel 0: you want me\n\nChannel 1: thing.\n\nChannel 0: to touch on this year?\n\nChannel 1: No. Like, every every super, it's, you know, fees fees down and try and make me as much money as you can.\n\nChannel 0: Yep. Absolutely. And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return. You're not trying to go to your high risk with it. Does that sound about right?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: High\n\nChannel 0: So,\n\nChannel 1: risk is high gain, but at high risk is the risk part. So there is risk that you can piss it away. So\n\nChannel 0: yeah. So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk,\n\nChannel 1: Yep.\n\nChannel 0: but a couple of pegs below, And you've got 80\n\nChannel 1: Yep.\n\nChannel 0: percent, you know, shares property gold. So the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year.\n\nChannel 1: Pretty much that's exactly it.\n\nChannel 0: Perfect. So you were sitting at, once we consolidated everything, a 176,000. You're at a hundred and ninety three four nine six. I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there. We've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year.\n\nChannel 1: Yep.\n\nChannel 0: So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense.\n\nChannel 1: Yep. So at the moment, the market average.\n\nChannel 0: Yeah. Exactly right.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: changed\n\nChannel 0: like\n\nChannel 1: from I basically changed from Australian Super and EISS.\n\nChannel 0: Yes.\n\nChannel 1: It was in both of\n\nChannel 0: I had a little bit of look see\n\nChannel 1: come\n\nChannel 0: at\n\nChannel 1: over to Netwealth originally.\n\nChannel 0: yep. And\n\nChannel 1: Energy\n\nChannel 0: then from\n\nChannel 1: Industry\n\nChannel 0: there, the hub.\n\nChannel 1: Superfund. Yep. And then I went from Netwealth to Hub.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: right.\n\nChannel 1: I said I I said I'd stick it out as much as I can. And, like, if it's performing quite super and better than the ISS, then it's worth me being there. But\n\nChannel 0: Yep.\n\nChannel 1: if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two. But if it's performing better than them, then it's worth me being there. But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. So it's a pretty simple equation for you. It's just get better than what you were getting.\n\nChannel 1: it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was. Otherwise, why would I be there just to lose money?\n\nChannel 0: Yeah. It's like you pay the fees\n\nChannel 1: You know?\n\nChannel 0: to get a result.\n\nChannel 1: Then I just get my AGM letter. I don't have any checkups. I don't have to say how I want the money spent. It's just\n\nChannel 0: Yep.\n\nChannel 1: that you guys are a a bigger fund with the one one task of basically being better than the rest.\n\nChannel 0: Yeah. And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's\n\nChannel 1: Yes.\n\nChannel 0: what gets you the outcome at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over\n\nChannel 1: Yep.\n\nChannel 0: five years by about 4%. So\n\nChannel 1: Yep.\n\nChannel 0: lower risk, higher returns, lower investment fees.\n\nChannel 1: Yeah. And that's pretty much what it when when I signed up. That was the reason to sign up. The fees were higher, but the returns were higher.\n\nChannel 0: Yeah.\n\nChannel 1: So the returns outweighed the extra fees to what you were gonna get charged before. The only difference was that you guys doing your annual checkup. A bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent. So I get that you guys can tailor each one to each point.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in\n\nChannel 0: You're\n\nChannel 1: my\n\nChannel 0: pretty\n\nChannel 1: sense.\n\nChannel 0: well in the middle, to be honest, mate. Your average balance is a 180 across the firm.\n\nChannel 1: Yep.\n\nChannel 0: You're just shy of 200, and you've built your\n\nChannel 1: Yep.\n\nChannel 0: base up now where once you build your first 200, that's where you can go from the 200 to the mill. But at some point, I've got to obviously have that conversation with you about risk much, much\n\nChannel 1: Yep.\n\nChannel 0: further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off. But you know what I mean?\n\nChannel 1: Correct. Yep.\n\nChannel 0: One of the things I\n\nChannel 1: Sorry.\n\nChannel 0: wanna broach with you as well, if\n\nChannel 1: K.\n\nChannel 0: you don't mind,\n\nChannel 1: Yep.\n\nChannel 0: portfolio is looking really good. What Carl put you into has been our best performing growth option and especially\n\nChannel 1: Mhmm.\n\nChannel 0: long term as well. If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on. Would that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side?\n\nChannel 1: No. I'm not. But once he once he is pretty well enough, like, I don't really need it. If there's anything drastic that happens, I figure you can email me anyway.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But you guys are the financial experts so you can see how the market's going. So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you? Or do you have to ring to that at the moment?\n\nChannel 0: It's more the signing of the statement of advice. So we can send you the document, but you need to go, okay. This to that makes sense in my mind. Tick. Go for it.\n\nChannel 1: Yeah. Well, I figure you guys are gonna explain the pros. What this is to what because these are any advisers. So that's a if you do lose it, they'll come and hunt you down pretty\n\nChannel 0: I mean,\n\nChannel 1: much.\n\nChannel 0: still can. Still can, but\n\nChannel 1: Still\n\nChannel 0: pros\n\nChannel 1: can,\n\nChannel 0: and\n\nChannel 1: but\n\nChannel 0: cons\n\nChannel 1: but\n\nChannel 0: is\n\nChannel 1: that's that's\n\nChannel 0: handy.\n\nChannel 1: why. Like, I'm in this I'm in a similar position running a Caribbean dealership. I can point people into which van's gonna suit. If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess. That's\n\nChannel 0: Yeah.\n\nChannel 1: your\n\nChannel 0: Yep.\n\nChannel 1: field. This is my field. So\n\nChannel 0: Absolutely.\n\nChannel 1: for me, I know everything about what I have to do here. No different for you guys doing your job. I'd like to think that you know what you're doing with the area that you're working in. So I'm just going with what you guys recommend.\n\nChannel 0: Awesome. And,\n\nChannel 1: And\n\nChannel 0: look, my job is pretty simple. It's get you to the retirement goal as smoothly as possible with the best chance possible in\n\nChannel 1: yeah.\n\nChannel 0: a way that's comfortable for you. You're\n\nChannel 1: Yep.\n\nChannel 0: not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you\n\nChannel 1: Yep.\n\nChannel 0: or the\n\nChannel 1: Appreciate\n\nChannel 0: style\n\nChannel 1: it.\n\nChannel 0: of investments.\n\nChannel 1: No. Otherwise yeah. I'm happy, mate. From outperforming the other two where I was, then it's\n\nChannel 0: Yep.\n\nChannel 1: worth being there. So we can\n\nChannel 0: Cool.\n\nChannel 1: ask.\n\nChannel 0: At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise.\n\nChannel 1: Yep.\n\nChannel 0: There is a few things coming down the line that we're keeping an eye on, which is\n\nChannel 1: Yep.\n\nChannel 0: why I'm kind of thinking of that restructure in twelve months' time,\n\nChannel 1: Mhmm.\n\nChannel 0: which may get us a few switches a little bit\n\nChannel 1: Yep.\n\nChannel 0: quicker for you.\n\nChannel 1: Oh, sounds fantastic.\n\nChannel 0: Outside of that, can I just quickly check-in terms of circumstances? You're still earning about a $100, same\n\nChannel 1: Yeah.\n\nChannel 0: employer.\n\nChannel 1: About that. Yep. Yep.\n\nChannel 0: Yep. Three children, Amanda,\n\nChannel 1: Yep. Yep.\n\nChannel 0: family changes,\n\nChannel 1: No.\n\nChannel 0: Home, car, caravan.\n\nChannel 1: Identical.\n\nChannel 0: Fantastic. And did you actually put a will in place? It says that we had a note that you did.\n\nChannel 1: Probably. Well, I should have had a wheel. I probably should have had a wheel review. I've had a wheel since 2014 when I lost\n\nChannel 0: 20\n\nChannel 1: my son.\n\nChannel 0: 40. Yep. Okay. So that's still there, but it might need a bit of an update.\n\nChannel 1: Yeah. I've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months\n\nChannel 0: K.\n\nChannel 1: ago. It's the only thing I've gotta change. I've made everything still the same. It's just gonna change address that I own. Other than that, everything else in the world is the same.\n\nI\n\nChannel 0: Perfect.\n\nChannel 1: don't know. It goes to Amanda. Everything yeah. It doesn't none of that changes. So\n\nChannel 0: Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney? So if you're in hospital, you can't ask. Amanda can talk to the doctors,\n\nChannel 1: Yeah.\n\nChannel 0: access\n\nChannel 1: As\n\nChannel 0: the\n\nChannel 1: far\n\nChannel 0: bank\n\nChannel 1: as\n\nChannel 0: accounts.\n\nChannel 1: I know as far as I know, we've already done that with the wheel.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Alright. I'll have to I'll have to double check that with my solicitor.\n\nChannel 0: Awesome. The insurance policy that got kind of cleaned up, so a mill of life and disability insurance. You've got your\n\nChannel 1: Yep.\n\nChannel 0: income protection, which obviously your income hasn't changed.\n\nChannel 1: Yep.\n\nChannel 0: Thirty day waiting period, five year benefit. If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit\n\nChannel 1: Yep.\n\nChannel 0: easier for you.\n\nChannel 1: Yep.\n\nChannel 0: It's under 2 grands once the 15% rebate comes off of it. Basically, if you're happy that your circumstances haven't changed, I'll keep an eye on it. If the prices start skyrocketing, we can shop\n\nChannel 1: Yep.\n\nChannel 0: around, trim it down, whatever you need.\n\nChannel 1: Yep. No. I'm happy with all that. That still sounds good still. Still\n\nChannel 0: Perfect.\n\nChannel 1: still\n\nChannel 0: The\n\nChannel 1: still\n\nChannel 0: only thing\n\nChannel 1: working.\n\nChannel 0: can I send you a bit of an updated beneficiary form to get\n\nChannel 1: Yep.\n\nChannel 0: Amanda listed on the super?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Email\n\nChannel 0: You\n\nChannel 1: to me. I'll\n\nChannel 0: got\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: it signed\n\nChannel 0: how\n\nChannel 1: today.\n\nChannel 0: to do\n\nChannel 1: I'm back to you today.\n\nChannel 0: Yep. Well, are you okay to print it out, or would you want me to post it to you?\n\nChannel 1: No. I'll just print it out now. Yeah. Just send me an\n\nChannel 0: Sensational.\n\nChannel 1: email. I'll get it printed printed while I'm at work. I'll get it assigned it. I'll go witness here so I can get it all done today.\n\nChannel 0: Easy done. Mate, any questions for me so far?\n\nChannel 1: Not not AG.\n\nChannel 0: Alright. I'll leave that Odoo sign pack with you. Again, fees\n\nChannel 1: Yep.\n\nChannel 0: are the same, 1.6\n\nChannel 1: Yep.\n\nChannel 0: 5%. Happy at\n\nChannel 1: Yep.\n\nChannel 0: 600,000 happy\n\nChannel 1: Perfect.\n\nChannel 0: days. Outside of\n\nChannel 1: Nope.\n\nChannel 0: that, I'll send that beneficiary forms through to you today as well in a separate\n\nChannel 1: Oh,\n\nChannel 0: email.\n\nChannel 1: sounds great. Thanks, man.\n\nChannel 0: Awesome.\n\nChannel 1: So\n\nChannel 0: Catch you in a little bit.\n\nChannel 1: yeah. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.05027693137526512}],"sentiment":"neutral","sentiment_score":0.05027693137526512,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Good morning, Ryan.","start":1.5999999,"end":2.48,"sentiment":"positive","sentiment_score":0.38280274470647174},{"text":"It's Tommy here, senior adviser from.","start":2.48,"end":4.5,"sentiment":"neutral","sentiment_score":0.2808805505434672},{"text":"How are you going?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.3167026787996292}],"sentiment":"neutral","sentiment_score":0.31542325019836426,"channel":0,"num_words":13,"start":1.5999999,"end":5.46},{"sentences":[{"text":"Good night.","start":6.3199997,"end":6.98,"sentiment":"positive","sentiment_score":0.5164069980382919}],"sentiment":"positive","sentiment_score":0.5164069980382919,"channel":1,"num_words":2,"start":6.3199997,"end":6.98},{"sentences":[{"text":"Living the dream, I hope.","start":8.24,"end":9.54,"sentiment":"positive","sentiment_score":0.5921321392059327}],"sentiment":"positive","sentiment_score":0.5921321392059327,"channel":0,"num_words":5,"start":8.24,"end":9.54},{"sentences":[{"text":"Yeah.","start":10.8,"end":11.2,"sentiment":"neutral","sentiment_score":0.27948904037475586},{"text":"Come on.","start":11.2,"end":11.679999,"sentiment":"neutral","sentiment_score":0.22439922392368317},{"text":"How can I help?","start":11.679999,"end":12.66,"sentiment":"neutral","sentiment_score":0.22778628021478653}],"sentiment":"neutral","sentiment_score":0.23420465844018118,"channel":1,"num_words":7,"start":10.8,"end":12.66},{"sentences":[{"text":"Mate, I'm just giving you a call to go through your annual review if you still have a bit of time.","start":12.815001,"end":16.995,"sentiment":"neutral","sentiment_score":0.04328534672302859}],"sentiment":"neutral","sentiment_score":0.04328534672302859,"channel":0,"num_words":21,"start":12.815001,"end":16.995},{"sentences":[{"text":"Yeah.","start":17.994999,"end":18.494999,"sentiment":"neutral","sentiment_score":0.2659544348716736}],"sentiment":"neutral","sentiment_score":0.2659544348716736,"channel":1,"num_words":1,"start":17.994999,"end":18.494999},{"sentences":[{"text":"Perfect.","start":19.375,"end":19.875,"sentiment":"positive","sentiment_score":0.5214199423789978},{"text":"Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay.","start":19.935,"end":27.475,"sentiment":"neutral","sentiment_score":0.1906151089704398}],"sentiment":"neutral","sentiment_score":0.20034466289422093,"channel":0,"num_words":34,"start":19.375,"end":27.475},{"sentences":[{"text":"Yep.","start":28.59,"end":29.09,"sentiment":"neutral","sentiment_score":0.17063698172569275}],"sentiment":"neutral","sentiment_score":0.17063698172569275,"channel":1,"num_words":1,"start":28.59,"end":29.09},{"sentences":[{"text":"Cool.","start":29.4,"end":29.9,"sentiment":"neutral","sentiment_score":0.24805378913879397},{"text":"So we've got the call is recorded for training and quality purposes.","start":29.96,"end":33.739998,"sentiment":"neutral","sentiment_score":0.10886383801698685},{"text":"I'm registered with Asica's adviser 1273105.","start":34.04,"end":37.559998,"sentiment":"neutral","sentiment_score":0.09643739586075147},{"text":"Mate, could you please confirm your date of birth and address for me?","start":37.559998,"end":40.605,"sentiment":"neutral","sentiment_score":0.05072689113708643}],"sentiment":"neutral","sentiment_score":0.08726543141528964,"channel":0,"num_words":32,"start":29.4,"end":40.605},{"sentences":[{"text":"It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park.","start":40.665,"end":46.365,"sentiment":"neutral","sentiment_score":0.025925031304359435}],"sentiment":"neutral","sentiment_score":0.025925031304359435,"channel":1,"num_words":10,"start":40.665,"end":46.365},{"sentences":[{"text":"Thank you so much for that.","start":46.765,"end":48.385,"sentiment":"positive","sentiment_score":0.6304725408554077},{"text":"I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety.","start":48.524998,"end":53.665,"sentiment":"neutral","sentiment_score":0.2903964360555013},{"text":"Will you be able to look","start":54.11,"end":55.149998,"sentiment":"neutral","sentiment_score":0.16097572445869446}],"sentiment":"positive","sentiment_score":0.3372087456561901,"channel":0,"num_words":27,"start":46.765,"end":55.149998},{"sentences":[{"text":"Yep.","start":54.83,"end":55.33,"sentiment":"neutral","sentiment_score":0.1509893536567688}],"sentiment":"neutral","sentiment_score":0.1509893536567688,"channel":1,"num_words":1,"start":54.83,"end":55.33},{"sentences":[{"text":"on to the email pack with me today, or should I just walk you through the documents?","start":55.149998,"end":59.329998,"sentiment":"neutral","sentiment_score":0.15044317701283624}],"sentiment":"neutral","sentiment_score":0.15044317701283624,"channel":0,"num_words":17,"start":55.149998,"end":59.329998},{"sentences":[{"text":"I can do it either.","start":60.99,"end":62.45,"sentiment":"neutral","sentiment_score":0.030283908173441888}],"sentiment":"neutral","sentiment_score":0.030283908173441888,"channel":1,"num_words":5,"start":60.99,"end":62.45},{"sentences":[{"text":"Yep.","start":63.149998,"end":63.649998,"sentiment":"neutral","sentiment_score":0.06527362763881683}],"sentiment":"neutral","sentiment_score":0.06527362763881683,"channel":0,"num_words":1,"start":63.149998,"end":63.649998},{"sentences":[{"text":"I'll wait.","start":63.23,"end":63.71,"sentiment":"neutral","sentiment_score":0.05691051110625267},{"text":"I'll be able to look for about five minutes.","start":63.71,"end":65.97,"sentiment":"neutral","sentiment_score":0.061985291126701564}],"sentiment":"neutral","sentiment_score":0.06106260385025631,"channel":1,"num_words":11,"start":63.23,"end":65.97},{"sentences":[{"text":"Yeah.","start":66.604996,"end":66.845,"sentiment":"neutral","sentiment_score":0.139704167842865},{"text":"That's no worries at all.","start":66.845,"end":68.125,"sentiment":"neutral","sentiment_score":0.2388454794883728},{"text":"I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together.","start":68.125,"end":75.645,"sentiment":"neutral","sentiment_score":0.19355663284659386},{"text":"Is that alright?","start":75.645,"end":76.465,"sentiment":"neutral","sentiment_score":0.14378702640533447}],"sentiment":"neutral","sentiment_score":0.1941245096485789,"channel":0,"num_words":41,"start":66.604996,"end":76.465},{"sentences":[{"text":"Yep.","start":76.645004,"end":77.125,"sentiment":"neutral","sentiment_score":0.11151047796010972},{"text":"Yep.","start":77.125,"end":77.365005,"sentiment":"neutral","sentiment_score":0.13923077285289764},{"text":"That's fine.","start":77.365005,"end":78.185005,"sentiment":"positive","sentiment_score":0.3346190005540848}],"sentiment":"neutral","sentiment_score":0.22999481298029423,"channel":1,"num_words":4,"start":76.645004,"end":78.185005},{"sentences":[{"text":"Perfect.","start":78.54,"end":78.78,"sentiment":"positive","sentiment_score":0.543215811252594},{"text":"So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year.","start":78.78,"end":87.1,"sentiment":"neutral","sentiment_score":0.2684720370805625},{"text":"We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well.","start":87.1,"end":94.565,"sentiment":"neutral","sentiment_score":0.2079789787530899}],"sentiment":"neutral","sentiment_score":0.2503700288859281,"channel":0,"num_words":55,"start":78.54,"end":94.565},{"sentences":[{"text":"Okay.","start":108.46,"end":108.700005,"sentiment":"neutral","sentiment_score":0.2704576253890991},{"text":"Thank you.","start":108.700005,"end":109.18,"sentiment":"positive","sentiment_score":0.4621550142765045},{"text":"Have a great day.","start":109.18,"end":109.82,"sentiment":"positive","sentiment_score":0.568822517991066},{"text":"You too.","start":109.82,"end":110.4,"sentiment":"neutral","sentiment_score":0.20704220235347748},{"text":"Alright.","start":111.18,"end":111.68,"sentiment":"neutral","sentiment_score":0.04442635923624039}],"sentiment":"positive","sentiment_score":0.39285684898495676,"channel":1,"num_words":10,"start":108.46,"end":111.68},{"sentences":[{"text":"Sorry about that.","start":111.82,"end":112.880005,"sentiment":"neutral","sentiment_score":-0.06113820895552635}],"sentiment":"neutral","sentiment_score":-0.06113820895552635,"channel":1,"num_words":3,"start":111.82,"end":112.880005},{"sentences":[{"text":"No","start":113.28,"end":113.52,"sentiment":"neutral","sentiment_score":-0.028204072266817093}],"sentiment":"neutral","sentiment_score":-0.028204072266817093,"channel":0,"num_words":1,"start":113.28,"end":113.52},{"sentences":[{"text":"Yeah.","start":113.340004,"end":113.66,"sentiment":"neutral","sentiment_score":-0.04942157492041588}],"sentiment":"neutral","sentiment_score":-0.04942157492041588,"channel":1,"num_words":1,"start":113.340004,"end":113.66},{"sentences":[{"text":"worries","start":113.52,"end":113.92,"sentiment":"neutral","sentiment_score":-0.04232173413038254}],"sentiment":"neutral","sentiment_score":-0.04232173413038254,"channel":0,"num_words":1,"start":113.52,"end":113.92},{"sentences":[{"text":"So","start":113.66,"end":113.98,"sentiment":"neutral","sentiment_score":-0.06614787131547928}],"sentiment":"neutral","sentiment_score":-0.06614787131547928,"channel":1,"num_words":1,"start":113.66,"end":113.98},{"sentences":[{"text":"at","start":113.92,"end":114.08,"sentiment":"neutral","sentiment_score":-0.07318569719791412}],"sentiment":"neutral","sentiment_score":-0.07318569719791412,"channel":0,"num_words":1,"start":113.92,"end":114.08},{"sentences":[{"text":"he's","start":113.98,"end":114.3,"sentiment":"neutral","sentiment_score":-0.048115335404872894}],"sentiment":"neutral","sentiment_score":-0.048115335404872894,"channel":1,"num_words":1,"start":113.98,"end":114.3},{"sentences":[{"text":"all.","start":114.08,"end":114.24,"sentiment":"neutral","sentiment_score":-0.03907310590147972},{"text":"Right?","start":114.24,"end":114.74,"sentiment":"neutral","sentiment_score":-0.0004839962348341942}],"sentiment":"neutral","sentiment_score":-0.019778551068156958,"channel":0,"num_words":2,"start":114.08,"end":114.74},{"sentences":[{"text":"I've got, yeah, I've got the email.","start":114.46,"end":116.14,"sentiment":"neutral","sentiment_score":0.01216052778597389},{"text":"Yeah.","start":116.14,"end":116.3,"sentiment":"neutral","sentiment_score":0.020290793851017952},{"text":"He just sent me to Hub twenty four last year","start":116.3,"end":120.0,"sentiment":"neutral","sentiment_score":0.025838280096650124}],"sentiment":"neutral","sentiment_score":0.020210960517740913,"channel":1,"num_words":18,"start":114.46,"end":120.0},{"sentences":[{"text":"Yep.","start":120.814995,"end":121.314995,"sentiment":"neutral","sentiment_score":0.0017630842048674822}],"sentiment":"neutral","sentiment_score":0.0017630842048674822,"channel":0,"num_words":1,"start":120.814995,"end":121.314995},{"sentences":[{"text":"away from Netwealth.","start":120.86,"end":121.92,"sentiment":"neutral","sentiment_score":-0.07200328881541888}],"sentiment":"neutral","sentiment_score":-0.07200328881541888,"channel":1,"num_words":3,"start":120.86,"end":121.92},{"sentences":[{"text":"Perfect.","start":123.055,"end":123.555,"sentiment":"positive","sentiment_score":0.4059053063392639},{"text":"Now is there anything in particular","start":124.735,"end":126.335,"sentiment":"neutral","sentiment_score":0.09312596917152405}],"sentiment":"neutral","sentiment_score":0.13780873162405832,"channel":0,"num_words":7,"start":123.055,"end":126.335},{"sentences":[{"text":"Basically,","start":125.924995,"end":126.405,"sentiment":"neutral","sentiment_score":0.038455963134765625}],"sentiment":"neutral","sentiment_score":0.038455963134765625,"channel":1,"num_words":1,"start":125.924995,"end":126.405},{"sentences":[{"text":"that","start":126.335,"end":126.415,"sentiment":"neutral","sentiment_score":0.03269113227725029}],"sentiment":"neutral","sentiment_score":0.03269113227725029,"channel":0,"num_words":1,"start":126.335,"end":126.415},{"sentences":[{"text":"similar","start":126.405,"end":126.884995,"sentiment":"neutral","sentiment_score":0.02475874125957489}],"sentiment":"neutral","sentiment_score":0.02475874125957489,"channel":1,"num_words":1,"start":126.405,"end":126.884995},{"sentences":[{"text":"you want me","start":126.415,"end":126.895,"sentiment":"neutral","sentiment_score":0.0625194509824117}],"sentiment":"neutral","sentiment_score":0.0625194509824117,"channel":0,"num_words":3,"start":126.415,"end":126.895},{"sentences":[{"text":"thing.","start":126.884995,"end":127.384995,"sentiment":"neutral","sentiment_score":0.07450252771377563}],"sentiment":"neutral","sentiment_score":0.07450252771377563,"channel":1,"num_words":1,"start":126.884995,"end":127.384995},{"sentences":[{"text":"to touch on this year?","start":126.895,"end":128.195,"sentiment":"neutral","sentiment_score":0.04628881514072418}],"sentiment":"neutral","sentiment_score":0.04628881514072418,"channel":0,"num_words":5,"start":126.895,"end":128.195},{"sentences":[{"text":"No.","start":130.64499,"end":131.125,"sentiment":"neutral","sentiment_score":-0.05233416706323624},{"text":"Like, every every super, it's, you know, fees fees down and try and make me as much money as you can.","start":131.125,"end":137.625,"sentiment":"neutral","sentiment_score":0.01440198187317167}],"sentiment":"neutral","sentiment_score":0.011368520557880402,"channel":1,"num_words":22,"start":130.64499,"end":137.625},{"sentences":[{"text":"Yep.","start":138.27,"end":138.75,"sentiment":"neutral","sentiment_score":0.21525578200817108},{"text":"Absolutely.","start":138.75,"end":139.25,"sentiment":"positive","sentiment_score":0.4252205491065979},{"text":"And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return.","start":139.31,"end":145.875,"sentiment":"positive","sentiment_score":0.5004736144434322},{"text":"You're not trying to go to your high risk with it.","start":145.875,"end":147.875,"sentiment":"neutral","sentiment_score":0.16362548822706396},{"text":"Does that sound about right?","start":147.875,"end":149.175,"sentiment":"neutral","sentiment_score":0.14136439710855483}],"sentiment":"positive","sentiment_score":0.3539399551227689,"channel":0,"num_words":40,"start":138.27,"end":149.175},{"sentences":[{"text":"Yep.","start":148.88,"end":149.38,"sentiment":"neutral","sentiment_score":0.08585436642169952},{"text":"Yep.","start":150.08,"end":150.58,"sentiment":"neutral","sentiment_score":0.11977849900722504}],"sentiment":"neutral","sentiment_score":0.10281643271446228,"channel":1,"num_words":2,"start":148.88,"end":150.58},{"sentences":[{"text":"Perfect.","start":150.275,"end":150.775,"sentiment":"neutral","sentiment_score":0.25733682513237}],"sentiment":"neutral","sentiment_score":0.25733682513237,"channel":0,"num_words":1,"start":150.275,"end":150.775},{"sentences":[{"text":"High","start":150.99501,"end":151.235,"sentiment":"neutral","sentiment_score":0.013033375144004822}],"sentiment":"neutral","sentiment_score":0.013033375144004822,"channel":1,"num_words":1,"start":150.99501,"end":151.235},{"sentences":[{"text":"So,","start":151.155,"end":151.655,"sentiment":"neutral","sentiment_score":-0.013413820415735245}],"sentiment":"neutral","sentiment_score":-0.013413820415735245,"channel":0,"num_words":1,"start":151.155,"end":151.655},{"sentences":[{"text":"risk is high gain, but at high risk is the risk part.","start":151.235,"end":154.755,"sentiment":"neutral","sentiment_score":-0.11760806106030941},{"text":"So there is risk that you can piss it away.","start":154.755,"end":157.63501,"sentiment":"neutral","sentiment_score":-0.33133296519517896},{"text":"So","start":157.63501,"end":158.13501,"sentiment":"neutral","sentiment_score":-0.04352063313126564}],"sentiment":"neutral","sentiment_score":-0.2073107399046421,"channel":1,"num_words":23,"start":151.235,"end":158.13501},{"sentences":[{"text":"yeah.","start":158.69,"end":159.09,"sentiment":"neutral","sentiment_score":-0.025117842480540276},{"text":"So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk,","start":159.09,"end":166.13,"sentiment":"neutral","sentiment_score":0.0005757853102225524}],"sentiment":"neutral","sentiment_score":-0.0003758305338797746,"channel":0,"num_words":27,"start":158.69,"end":166.13},{"sentences":[{"text":"Yep.","start":165.95001,"end":166.45001,"sentiment":"neutral","sentiment_score":0.029577702283859253}],"sentiment":"neutral","sentiment_score":0.029577702283859253,"channel":1,"num_words":1,"start":165.95001,"end":166.45001},{"sentences":[{"text":"but a couple of pegs below, And you've got 80","start":166.13,"end":168.72499,"sentiment":"neutral","sentiment_score":0.04865653030574322}],"sentiment":"neutral","sentiment_score":0.04865653030574322,"channel":0,"num_words":10,"start":166.13,"end":168.72499},{"sentences":[{"text":"Yep.","start":168.43001,"end":168.93001,"sentiment":"neutral","sentiment_score":0.048166461288928986}],"sentiment":"neutral","sentiment_score":0.048166461288928986,"channel":1,"num_words":1,"start":168.43001,"end":168.93001},{"sentences":[{"text":"percent, you know, shares property gold.","start":168.72499,"end":170.745,"sentiment":"neutral","sentiment_score":0.06015081703662872},{"text":"So the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year.","start":170.805,"end":178.985,"sentiment":"neutral","sentiment_score":0.05381144594514009}],"sentiment":"neutral","sentiment_score":0.05478673380536911,"channel":0,"num_words":39,"start":168.72499,"end":178.985},{"sentences":[{"text":"Pretty much that's exactly it.","start":179.605,"end":181.385,"sentiment":"neutral","sentiment_score":0.25241072475910187}],"sentiment":"neutral","sentiment_score":0.25241072475910187,"channel":1,"num_words":5,"start":179.605,"end":181.385},{"sentences":[{"text":"Perfect.","start":181.94,"end":182.42,"sentiment":"positive","sentiment_score":0.437897652387619},{"text":"So you were sitting at, once we consolidated everything, a 176,000.","start":182.42,"end":187.0,"sentiment":"neutral","sentiment_score":0.19894882223822855},{"text":"You're at a hundred and ninety three four nine six.","start":187.06,"end":189.64,"sentiment":"neutral","sentiment_score":0.16026936396956443},{"text":"I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there.","start":190.5,"end":199.295,"sentiment":"neutral","sentiment_score":0.053723567098911316},{"text":"We've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year.","start":199.835,"end":211.81,"sentiment":"neutral","sentiment_score":0.019947305615795285}],"sentiment":"neutral","sentiment_score":0.07376461169174449,"channel":0,"num_words":88,"start":181.94,"end":211.81},{"sentences":[{"text":"Yep.","start":213.27501,"end":213.77501,"sentiment":"neutral","sentiment_score":0.08444517105817795}],"sentiment":"neutral","sentiment_score":0.08444517105817795,"channel":1,"num_words":1,"start":213.27501,"end":213.77501},{"sentences":[{"text":"So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense.","start":214.35,"end":224.45,"sentiment":"neutral","sentiment_score":0.13890427004338968}],"sentiment":"neutral","sentiment_score":0.13890427004338968,"channel":0,"num_words":36,"start":214.35,"end":224.45},{"sentences":[{"text":"Yep.","start":225.84001,"end":226.32,"sentiment":"neutral","sentiment_score":0.05409136041998863},{"text":"So at the moment, the market average.","start":226.32,"end":229.46,"sentiment":"neutral","sentiment_score":0.004661201898540769}],"sentiment":"neutral","sentiment_score":0.010839971713721752,"channel":1,"num_words":8,"start":225.84001,"end":229.46},{"sentences":[{"text":"Yeah.","start":230.455,"end":230.77501,"sentiment":"neutral","sentiment_score":0.06926605850458145},{"text":"Exactly right.","start":230.77501,"end":231.49501,"sentiment":"neutral","sentiment_score":0.0818713502958417}],"sentiment":"neutral","sentiment_score":0.07766958636542161,"channel":0,"num_words":3,"start":230.455,"end":231.49501},{"sentences":[{"text":"So","start":231.44,"end":231.6,"sentiment":"neutral","sentiment_score":0.01987742818892002}],"sentiment":"neutral","sentiment_score":0.01987742818892002,"channel":1,"num_words":1,"start":231.44,"end":231.6},{"sentences":[{"text":"So","start":231.49501,"end":231.655,"sentiment":"neutral","sentiment_score":0.019729167222976685}],"sentiment":"neutral","sentiment_score":0.019729167222976685,"channel":0,"num_words":1,"start":231.49501,"end":231.655},{"sentences":[{"text":"I","start":231.6,"end":231.76001,"sentiment":"neutral","sentiment_score":0.02374492958188057}],"sentiment":"neutral","sentiment_score":0.02374492958188057,"channel":1,"num_words":1,"start":231.6,"end":231.76001},{"sentences":[{"text":"it's","start":231.655,"end":231.975,"sentiment":"neutral","sentiment_score":0.017741788178682327}],"sentiment":"neutral","sentiment_score":0.017741788178682327,"channel":0,"num_words":1,"start":231.655,"end":231.975},{"sentences":[{"text":"changed","start":231.76001,"end":232.16,"sentiment":"neutral","sentiment_score":0.017319338396191597}],"sentiment":"neutral","sentiment_score":0.017319338396191597,"channel":1,"num_words":1,"start":231.76001,"end":232.16},{"sentences":[{"text":"like","start":231.975,"end":232.13501,"sentiment":"neutral","sentiment_score":0.025771506130695343}],"sentiment":"neutral","sentiment_score":0.025771506130695343,"channel":0,"num_words":1,"start":231.975,"end":232.13501},{"sentences":[{"text":"from I basically changed from Australian Super and EISS.","start":232.16,"end":237.185,"sentiment":"neutral","sentiment_score":0.030381946721010737}],"sentiment":"neutral","sentiment_score":0.030381946721010737,"channel":1,"num_words":9,"start":232.16,"end":237.185},{"sentences":[{"text":"Yes.","start":238.39,"end":238.89,"sentiment":"neutral","sentiment_score":0.08345337212085724}],"sentiment":"neutral","sentiment_score":0.08345337212085724,"channel":0,"num_words":1,"start":238.39,"end":238.89},{"sentences":[{"text":"It was in both of","start":239.88501,"end":241.10501,"sentiment":"neutral","sentiment_score":0.0565659761428833}],"sentiment":"neutral","sentiment_score":0.0565659761428833,"channel":1,"num_words":5,"start":239.88501,"end":241.10501},{"sentences":[{"text":"I had a little bit of look see","start":242.15001,"end":243.43001,"sentiment":"neutral","sentiment_score":0.048593883169814944}],"sentiment":"neutral","sentiment_score":0.048593883169814944,"channel":0,"num_words":8,"start":242.15001,"end":243.43001},{"sentences":[{"text":"come","start":243.24501,"end":243.485,"sentiment":"neutral","sentiment_score":0.027857359498739243}],"sentiment":"neutral","sentiment_score":0.027857359498739243,"channel":1,"num_words":1,"start":243.24501,"end":243.485},{"sentences":[{"text":"at","start":243.43001,"end":243.59,"sentiment":"neutral","sentiment_score":0.034618597477674484}],"sentiment":"neutral","sentiment_score":0.034618597477674484,"channel":0,"num_words":1,"start":243.43001,"end":243.59},{"sentences":[{"text":"over to Netwealth originally.","start":243.485,"end":244.865,"sentiment":"neutral","sentiment_score":0.034492881037294865}],"sentiment":"neutral","sentiment_score":0.034492881037294865,"channel":1,"num_words":4,"start":243.485,"end":244.865},{"sentences":[{"text":"yep.","start":245.83,"end":246.15001,"sentiment":"neutral","sentiment_score":0.03800782561302185},{"text":"And","start":246.15001,"end":246.39,"sentiment":"neutral","sentiment_score":0.022410213947296143}],"sentiment":"neutral","sentiment_score":0.030209019780158997,"channel":0,"num_words":2,"start":245.83,"end":246.39},{"sentences":[{"text":"Energy","start":246.285,"end":246.765,"sentiment":"neutral","sentiment_score":0.034596849232912064}],"sentiment":"neutral","sentiment_score":0.034596849232912064,"channel":1,"num_words":1,"start":246.285,"end":246.765},{"sentences":[{"text":"then from","start":246.39,"end":246.79001,"sentiment":"neutral","sentiment_score":0.030644595623016357}],"sentiment":"neutral","sentiment_score":0.030644595623016357,"channel":0,"num_words":2,"start":246.39,"end":246.79001},{"sentences":[{"text":"Industry","start":246.765,"end":247.265,"sentiment":"neutral","sentiment_score":0.02700359746813774}],"sentiment":"neutral","sentiment_score":0.02700359746813774,"channel":1,"num_words":1,"start":246.765,"end":247.265},{"sentences":[{"text":"there, the hub.","start":246.79001,"end":247.69,"sentiment":"neutral","sentiment_score":0.03520470609267553}],"sentiment":"neutral","sentiment_score":0.03520470609267553,"channel":0,"num_words":3,"start":246.79001,"end":247.69},{"sentences":[{"text":"Superfund.","start":247.325,"end":247.825,"sentiment":"neutral","sentiment_score":0.06317789852619171},{"text":"Yep.","start":249.1,"end":249.5,"sentiment":"neutral","sentiment_score":0.09975087642669678},{"text":"And then I went from Netwealth to Hub.","start":249.5,"end":252.64,"sentiment":"neutral","sentiment_score":0.05936992820352316}],"sentiment":"neutral","sentiment_score":0.06378882005810738,"channel":1,"num_words":10,"start":247.325,"end":252.64},{"sentences":[{"text":"That's","start":253.925,"end":254.325,"sentiment":"neutral","sentiment_score":0.08874484151601791}],"sentiment":"neutral","sentiment_score":0.08874484151601791,"channel":0,"num_words":1,"start":253.925,"end":254.325},{"sentences":[{"text":"So","start":253.98,"end":254.48,"sentiment":"neutral","sentiment_score":0.12686987221240997}],"sentiment":"neutral","sentiment_score":0.12686987221240997,"channel":1,"num_words":1,"start":253.98,"end":254.48},{"sentences":[{"text":"right.","start":254.325,"end":254.825,"sentiment":"neutral","sentiment_score":0.20686665177345276}],"sentiment":"neutral","sentiment_score":0.20686665177345276,"channel":0,"num_words":1,"start":254.325,"end":254.825},{"sentences":[{"text":"I said I I said I'd stick it out as much as I can.","start":254.86,"end":258.16,"sentiment":"neutral","sentiment_score":0.26116173395088743},{"text":"And, like, if it's performing quite super and better than the ISS, then it's worth me being there.","start":258.54,"end":265.435,"sentiment":"positive","sentiment_score":0.3483228385448456},{"text":"But","start":265.735,"end":266.235,"sentiment":"neutral","sentiment_score":-0.007600940763950348}],"sentiment":"neutral","sentiment_score":0.30055983116229373,"channel":1,"num_words":33,"start":254.86,"end":266.235},{"sentences":[{"text":"Yep.","start":266.34,"end":266.84,"sentiment":"neutral","sentiment_score":0.001191395102068782}],"sentiment":"neutral","sentiment_score":0.001191395102068782,"channel":0,"num_words":1,"start":266.34,"end":266.84},{"sentences":[{"text":"if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two.","start":266.375,"end":278.31,"sentiment":"neutral","sentiment_score":-0.3077248954965222},{"text":"But if it's performing better than them, then it's worth me being there.","start":278.55,"end":284.79,"sentiment":"neutral","sentiment_score":-0.00953689504128236},{"text":"But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better.","start":284.79,"end":295.69498,"sentiment":"negative","sentiment_score":-0.46259977038090044}],"sentiment":"neutral","sentiment_score":-0.3098720775118896,"channel":1,"num_words":70,"start":266.375,"end":295.69498},{"sentences":[{"text":"Yeah.","start":295.96997,"end":296.37,"sentiment":"neutral","sentiment_score":-0.006836690008640289}],"sentiment":"neutral","sentiment_score":-0.006836690008640289,"channel":0,"num_words":1,"start":295.96997,"end":296.37},{"sentences":[{"text":"So","start":296.235,"end":296.735,"sentiment":"neutral","sentiment_score":0.015140198171138763}],"sentiment":"neutral","sentiment_score":0.015140198171138763,"channel":1,"num_words":1,"start":296.235,"end":296.735},{"sentences":[{"text":"Yeah.","start":296.37,"end":296.68997,"sentiment":"neutral","sentiment_score":0.032446153461933136},{"text":"So it's a pretty simple equation for you.","start":296.68997,"end":298.37,"sentiment":"neutral","sentiment_score":0.16851029079407454},{"text":"It's just get better than what you were getting.","start":298.37,"end":300.22998,"sentiment":"neutral","sentiment_score":0.2308831231461631}],"sentiment":"neutral","sentiment_score":0.1921375882294443,"channel":0,"num_words":18,"start":296.37,"end":300.22998},{"sentences":[{"text":"it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was.","start":300.715,"end":316.40002,"sentiment":"neutral","sentiment_score":0.1122271423228085},{"text":"Otherwise, why would I be there just to lose money?","start":316.40002,"end":318.74002,"sentiment":"negative","sentiment_score":-0.3490074321627617}],"sentiment":"neutral","sentiment_score":0.019980227425694465,"channel":1,"num_words":50,"start":300.715,"end":318.74002},{"sentences":[{"text":"Yeah.","start":319.22998,"end":319.55,"sentiment":"neutral","sentiment_score":-0.07128167152404785},{"text":"It's like you pay the fees","start":319.55,"end":320.99,"sentiment":"neutral","sentiment_score":-0.05141038695971171}],"sentiment":"neutral","sentiment_score":-0.05424914189747402,"channel":0,"num_words":7,"start":319.22998,"end":320.99},{"sentences":[{"text":"You know?","start":320.52502,"end":321.105,"sentiment":"neutral","sentiment_score":-0.016669247299432755}],"sentiment":"neutral","sentiment_score":-0.016669247299432755,"channel":1,"num_words":2,"start":320.52502,"end":321.105},{"sentences":[{"text":"to get a result.","start":320.99,"end":321.97,"sentiment":"neutral","sentiment_score":0.018261335790157318}],"sentiment":"neutral","sentiment_score":0.018261335790157318,"channel":0,"num_words":4,"start":320.99,"end":321.97},{"sentences":[{"text":"Then I just get my AGM letter.","start":321.80502,"end":323.98502,"sentiment":"neutral","sentiment_score":0.036702951682465415},{"text":"I don't have any checkups.","start":324.36502,"end":325.885,"sentiment":"neutral","sentiment_score":-0.03249571733176708},{"text":"I don't have to say how I want the money spent.","start":325.885,"end":328.045,"sentiment":"neutral","sentiment_score":0.007059942930936813},{"text":"It's just","start":328.045,"end":328.70502,"sentiment":"neutral","sentiment_score":0.10669036209583282}],"sentiment":"neutral","sentiment_score":0.015419286862015723,"channel":1,"num_words":25,"start":321.80502,"end":328.70502},{"sentences":[{"text":"Yep.","start":328.605,"end":329.105,"sentiment":"neutral","sentiment_score":0.18272525072097776}],"sentiment":"neutral","sentiment_score":0.18272525072097776,"channel":0,"num_words":1,"start":328.605,"end":329.105},{"sentences":[{"text":"that you guys are a a bigger fund with the one one task of basically being better than the rest.","start":329.48502,"end":338.26,"sentiment":"neutral","sentiment_score":0.2583454117178917}],"sentiment":"neutral","sentiment_score":0.2583454117178917,"channel":1,"num_words":20,"start":329.48502,"end":338.26},{"sentences":[{"text":"Yeah.","start":338.78,"end":339.25998,"sentiment":"neutral","sentiment_score":0.16926448047161102},{"text":"And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's","start":339.25998,"end":347.34,"sentiment":"neutral","sentiment_score":0.2872559230993776}],"sentiment":"neutral","sentiment_score":0.2838847390242985,"channel":0,"num_words":35,"start":338.78,"end":347.34},{"sentences":[{"text":"Yes.","start":347.205,"end":347.705,"sentiment":"positive","sentiment_score":0.3753631114959717}],"sentiment":"positive","sentiment_score":0.3753631114959717,"channel":1,"num_words":1,"start":347.205,"end":347.705},{"sentences":[{"text":"what gets you the outcome at the end of the day.","start":347.34,"end":349.36,"sentiment":"positive","sentiment_score":0.4471015225757252}],"sentiment":"positive","sentiment_score":0.4471015225757252,"channel":0,"num_words":11,"start":347.34,"end":349.36},{"sentences":[{"text":"Yep.","start":349.76498,"end":350.26498,"sentiment":"neutral","sentiment_score":0.06938624382019043}],"sentiment":"neutral","sentiment_score":0.06938624382019043,"channel":1,"num_words":1,"start":349.76498,"end":350.26498},{"sentences":[{"text":"One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over","start":351.125,"end":362.52002,"sentiment":"positive","sentiment_score":0.46155340373516085}],"sentiment":"positive","sentiment_score":0.46155340373516085,"channel":0,"num_words":30,"start":351.125,"end":362.52002},{"sentences":[{"text":"Yep.","start":362.44,"end":362.94,"sentiment":"positive","sentiment_score":0.3856984078884125}],"sentiment":"positive","sentiment_score":0.3856984078884125,"channel":1,"num_words":1,"start":362.44,"end":362.94},{"sentences":[{"text":"five years by about 4%.","start":362.52002,"end":364.22,"sentiment":"positive","sentiment_score":0.42245214581489565},{"text":"So","start":364.44,"end":364.84,"sentiment":"neutral","sentiment_score":0.29067739844322205}],"sentiment":"positive","sentiment_score":0.4004896879196167,"channel":0,"num_words":6,"start":362.52002,"end":364.84},{"sentences":[{"text":"Yep.","start":364.52,"end":365.02,"sentiment":"neutral","sentiment_score":0.2426485121250153}],"sentiment":"neutral","sentiment_score":0.2426485121250153,"channel":1,"num_words":1,"start":364.52,"end":365.02},{"sentences":[{"text":"lower risk, higher returns, lower investment fees.","start":364.84,"end":368.06,"sentiment":"neutral","sentiment_score":0.26571640372276306}],"sentiment":"neutral","sentiment_score":0.26571640372276306,"channel":0,"num_words":7,"start":364.84,"end":368.06},{"sentences":[{"text":"Yeah.","start":368.6,"end":368.92,"sentiment":"neutral","sentiment_score":0.21102315187454224},{"text":"And that's pretty much what it when when I signed up.","start":368.92,"end":371.56,"sentiment":"neutral","sentiment_score":0.18318925527009097},{"text":"That was the reason to sign up.","start":371.56,"end":374.02502,"sentiment":"neutral","sentiment_score":0.14436893377985274},{"text":"The fees were higher, but the returns were higher.","start":374.02502,"end":378.045,"sentiment":"neutral","sentiment_score":0.05027672524253527}],"sentiment":"neutral","sentiment_score":0.13175635798169033,"channel":1,"num_words":28,"start":368.6,"end":378.045},{"sentences":[{"text":"Yeah.","start":378.615,"end":379.115,"sentiment":"neutral","sentiment_score":0.2384984195232391}],"sentiment":"neutral","sentiment_score":0.2384984195232391,"channel":0,"num_words":1,"start":378.615,"end":379.115},{"sentences":[{"text":"So the returns outweighed the extra fees to what you were gonna get charged before.","start":378.74503,"end":384.125,"sentiment":"neutral","sentiment_score":0.3090140531460444},{"text":"The only difference was that you guys doing your annual checkup.","start":384.665,"end":389.36002,"sentiment":"neutral","sentiment_score":0.1264102574099194},{"text":"A bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent.","start":389.82,"end":401.04,"sentiment":"neutral","sentiment_score":0.11651658713817596},{"text":"So I get that you guys can tailor each one to each point.","start":401.97498,"end":405.115,"sentiment":"neutral","sentiment_score":0.20623833170303932}],"sentiment":"neutral","sentiment_score":0.17684521094180536,"channel":1,"num_words":69,"start":378.74503,"end":405.115},{"sentences":[{"text":"Yep.","start":405.525,"end":406.025,"sentiment":"neutral","sentiment_score":0.09379278123378754}],"sentiment":"neutral","sentiment_score":0.09379278123378754,"channel":0,"num_words":1,"start":405.525,"end":406.025},{"sentences":[{"text":"But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in","start":406.375,"end":414.215,"sentiment":"neutral","sentiment_score":0.017891543057675544}],"sentiment":"neutral","sentiment_score":0.017891543057675544,"channel":1,"num_words":26,"start":406.375,"end":414.215},{"sentences":[{"text":"You're","start":414.18,"end":414.34,"sentiment":"neutral","sentiment_score":0.040700264275074005}],"sentiment":"neutral","sentiment_score":0.040700264275074005,"channel":0,"num_words":1,"start":414.18,"end":414.34},{"sentences":[{"text":"my","start":414.215,"end":414.455,"sentiment":"neutral","sentiment_score":0.03283177316188812}],"sentiment":"neutral","sentiment_score":0.03283177316188812,"channel":1,"num_words":1,"start":414.215,"end":414.455},{"sentences":[{"text":"pretty","start":414.34,"end":414.58002,"sentiment":"neutral","sentiment_score":0.035816315561532974}],"sentiment":"neutral","sentiment_score":0.035816315561532974,"channel":0,"num_words":1,"start":414.34,"end":414.58002},{"sentences":[{"text":"sense.","start":414.455,"end":414.93,"sentiment":"neutral","sentiment_score":0.02981819212436676}],"sentiment":"neutral","sentiment_score":0.02981819212436676,"channel":1,"num_words":1,"start":414.455,"end":414.93},{"sentences":[{"text":"well in the middle, to be honest, mate.","start":414.58002,"end":416.18,"sentiment":"neutral","sentiment_score":0.11747829709202051},{"text":"Your average balance is a 180 across the firm.","start":416.18,"end":419.62,"sentiment":"neutral","sentiment_score":0.11550079203314251}],"sentiment":"neutral","sentiment_score":0.1164313826490851,"channel":0,"num_words":17,"start":414.58002,"end":419.62},{"sentences":[{"text":"Yep.","start":419.49,"end":419.99,"sentiment":"neutral","sentiment_score":0.15387818217277527}],"sentiment":"neutral","sentiment_score":0.15387818217277527,"channel":1,"num_words":1,"start":419.49,"end":419.99},{"sentences":[{"text":"You're just shy of 200, and you've built your","start":419.62,"end":422.34,"sentiment":"neutral","sentiment_score":0.2028968201743232}],"sentiment":"neutral","sentiment_score":0.2028968201743232,"channel":0,"num_words":9,"start":419.62,"end":422.34},{"sentences":[{"text":"Yep.","start":422.28998,"end":422.78998,"sentiment":"neutral","sentiment_score":0.19592168927192688}],"sentiment":"neutral","sentiment_score":0.19592168927192688,"channel":1,"num_words":1,"start":422.28998,"end":422.78998},{"sentences":[{"text":"base up now where once you build your first 200, that's where you can go from the 200 to the mill.","start":422.34,"end":428.135,"sentiment":"neutral","sentiment_score":0.1691159705320994},{"text":"But at some point, I've got to obviously have that conversation with you about risk much, much","start":428.135,"end":432.775,"sentiment":"neutral","sentiment_score":-0.015771590173244476}],"sentiment":"neutral","sentiment_score":0.08640311442707714,"channel":0,"num_words":38,"start":422.34,"end":432.775},{"sentences":[{"text":"Yep.","start":432.605,"end":433.105,"sentiment":"neutral","sentiment_score":-0.015016240999102592}],"sentiment":"neutral","sentiment_score":-0.015016240999102592,"channel":1,"num_words":1,"start":432.605,"end":433.105},{"sentences":[{"text":"further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off.","start":432.775,"end":440.16,"sentiment":"neutral","sentiment_score":-0.047457326418505266},{"text":"But you know what I mean?","start":440.16,"end":441.30002,"sentiment":"neutral","sentiment_score":-0.005038336850702763}],"sentiment":"neutral","sentiment_score":-0.039503765874542296,"channel":0,"num_words":32,"start":432.775,"end":441.30002},{"sentences":[{"text":"Correct.","start":441.005,"end":441.505,"sentiment":"neutral","sentiment_score":0.0801963359117508},{"text":"Yep.","start":441.565,"end":442.065,"sentiment":"neutral","sentiment_score":0.08524253219366074}],"sentiment":"neutral","sentiment_score":0.08271943405270576,"channel":1,"num_words":2,"start":441.005,"end":442.065},{"sentences":[{"text":"One of the things I","start":442.64,"end":443.36002,"sentiment":"neutral","sentiment_score":0.12068062275648117}],"sentiment":"neutral","sentiment_score":0.12068062275648117,"channel":0,"num_words":5,"start":442.64,"end":443.36002},{"sentences":[{"text":"Sorry.","start":443.325,"end":443.825,"sentiment":"neutral","sentiment_score":-0.002891073003411293}],"sentiment":"neutral","sentiment_score":-0.002891073003411293,"channel":1,"num_words":1,"start":443.325,"end":443.825},{"sentences":[{"text":"wanna broach with you as well, if","start":443.36002,"end":444.88,"sentiment":"neutral","sentiment_score":0.051534002646803856}],"sentiment":"neutral","sentiment_score":0.051534002646803856,"channel":0,"num_words":7,"start":443.36002,"end":444.88},{"sentences":[{"text":"K.","start":444.765,"end":445.265,"sentiment":"neutral","sentiment_score":0.05965431034564972}],"sentiment":"neutral","sentiment_score":0.05965431034564972,"channel":1,"num_words":1,"start":444.765,"end":445.265},{"sentences":[{"text":"you don't mind,","start":444.88,"end":445.7,"sentiment":"neutral","sentiment_score":0.08540726949771245}],"sentiment":"neutral","sentiment_score":0.08540726949771245,"channel":0,"num_words":3,"start":444.88,"end":445.7},{"sentences":[{"text":"Yep.","start":446.285,"end":446.785,"sentiment":"neutral","sentiment_score":0.2123495787382126}],"sentiment":"neutral","sentiment_score":0.2123495787382126,"channel":1,"num_words":1,"start":446.285,"end":446.785},{"sentences":[{"text":"portfolio is looking really good.","start":446.64,"end":447.92,"sentiment":"positive","sentiment_score":0.36679309606552124},{"text":"What Carl put you into has been our best performing growth option and especially","start":447.92,"end":452.755,"sentiment":"positive","sentiment_score":0.47404439534459797}],"sentiment":"positive","sentiment_score":0.44582036921852514,"channel":0,"num_words":19,"start":446.64,"end":452.755},{"sentences":[{"text":"Mhmm.","start":452.63,"end":453.13,"sentiment":"positive","sentiment_score":0.3544014096260071}],"sentiment":"positive","sentiment_score":0.3544014096260071,"channel":1,"num_words":1,"start":452.63,"end":453.13},{"sentences":[{"text":"long term as well.","start":452.815,"end":453.875,"sentiment":"positive","sentiment_score":0.3600779250264168},{"text":"If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on.","start":454.255,"end":471.67,"sentiment":"neutral","sentiment_score":0.26602843527992565},{"text":"Would that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side?","start":471.67,"end":477.53,"sentiment":"neutral","sentiment_score":0.1812749147415161}],"sentiment":"neutral","sentiment_score":0.2503275727587087,"channel":0,"num_words":84,"start":452.815,"end":477.53},{"sentences":[{"text":"No.","start":479.00998,"end":479.25,"sentiment":"neutral","sentiment_score":-0.13888108730316162},{"text":"I'm not.","start":479.25,"end":479.91,"sentiment":"neutral","sentiment_score":-0.15795712918043137},{"text":"But once he once he is pretty well enough, like, I don't really need it.","start":480.05,"end":484.21,"sentiment":"neutral","sentiment_score":-0.23667193005482356},{"text":"If there's anything drastic that happens, I figure you can email me anyway.","start":484.21,"end":487.59,"sentiment":"neutral","sentiment_score":-0.10599968353143105}],"sentiment":"neutral","sentiment_score":-0.17364097362564457,"channel":1,"num_words":31,"start":479.00998,"end":487.59},{"sentences":[{"text":"Yeah.","start":488.085,"end":488.485,"sentiment":"neutral","sentiment_score":0.0582382008433342},{"text":"Yep.","start":488.485,"end":488.985,"sentiment":"neutral","sentiment_score":0.08708389103412628}],"sentiment":"neutral","sentiment_score":0.07266104593873024,"channel":0,"num_words":2,"start":488.085,"end":488.985},{"sentences":[{"text":"But you guys are the financial experts so you can see how the market's going.","start":488.92502,"end":494.545,"sentiment":"neutral","sentiment_score":0.09903259525696437},{"text":"So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you?","start":494.845,"end":507.83002,"sentiment":"neutral","sentiment_score":0.05480868546053385},{"text":"Or do you have to ring to that at the moment?","start":508.77002,"end":510.71,"sentiment":"neutral","sentiment_score":-0.0031959324736486783}],"sentiment":"neutral","sentiment_score":0.055198036993925385,"channel":1,"num_words":65,"start":488.92502,"end":510.71},{"sentences":[{"text":"It's more the signing of the statement of advice.","start":511.07498,"end":513.635,"sentiment":"neutral","sentiment_score":0.062363693283663854},{"text":"So we can send you the document, but you need to go, okay.","start":513.635,"end":516.295,"sentiment":"neutral","sentiment_score":0.07926946591872436},{"text":"This to that makes sense in my mind.","start":516.435,"end":518.455,"sentiment":"neutral","sentiment_score":0.12116697337478399},{"text":"Tick.","start":518.66003,"end":519.06,"sentiment":"neutral","sentiment_score":0.08756983280181885},{"text":"Go for it.","start":519.06,"end":520.05,"sentiment":"neutral","sentiment_score":0.15070536732673645}],"sentiment":"neutral","sentiment_score":0.09119994171402034,"channel":0,"num_words":34,"start":511.07498,"end":520.05},{"sentences":[{"text":"Yeah.","start":520.565,"end":521.045,"sentiment":"neutral","sentiment_score":0.08831236511468887},{"text":"Well, I figure you guys are gonna explain the pros.","start":521.045,"end":523.445,"sentiment":"neutral","sentiment_score":0.0402286421507597},{"text":"What this is to what because these are any advisers.","start":523.445,"end":525.545,"sentiment":"neutral","sentiment_score":-0.011651612073183059},{"text":"So that's a if you do lose it, they'll come and hunt you down pretty","start":525.765,"end":531.91003,"sentiment":"neutral","sentiment_score":-0.15075109427173933}],"sentiment":"neutral","sentiment_score":-0.05242177078293429,"channel":1,"num_words":36,"start":520.565,"end":531.91003},{"sentences":[{"text":"I mean,","start":531.71497,"end":532.115,"sentiment":"neutral","sentiment_score":-0.05820142850279808}],"sentiment":"neutral","sentiment_score":-0.05820142850279808,"channel":0,"num_words":2,"start":531.71497,"end":532.115},{"sentences":[{"text":"much.","start":531.91003,"end":532.41003,"sentiment":"neutral","sentiment_score":-0.07535237073898315}],"sentiment":"neutral","sentiment_score":-0.07535237073898315,"channel":1,"num_words":1,"start":531.91003,"end":532.41003},{"sentences":[{"text":"still can.","start":532.115,"end":532.915,"sentiment":"neutral","sentiment_score":-0.03218360897153616},{"text":"Still can, but","start":532.915,"end":534.055,"sentiment":"neutral","sentiment_score":-0.00927703082561493}],"sentiment":"neutral","sentiment_score":-0.01843966208398342,"channel":0,"num_words":5,"start":532.115,"end":534.055},{"sentences":[{"text":"Still","start":533.91003,"end":534.23004,"sentiment":"neutral","sentiment_score":-0.03052915446460247}],"sentiment":"neutral","sentiment_score":-0.03052915446460247,"channel":1,"num_words":1,"start":533.91003,"end":534.23004},{"sentences":[{"text":"pros","start":534.19495,"end":534.51495,"sentiment":"neutral","sentiment_score":-0.0036382824182510376}],"sentiment":"neutral","sentiment_score":-0.0036382824182510376,"channel":0,"num_words":1,"start":534.19495,"end":534.51495},{"sentences":[{"text":"can,","start":534.23004,"end":534.55,"sentiment":"neutral","sentiment_score":-0.007553808391094208}],"sentiment":"neutral","sentiment_score":-0.007553808391094208,"channel":1,"num_words":1,"start":534.23004,"end":534.55},{"sentences":[{"text":"and","start":534.51495,"end":534.675,"sentiment":"neutral","sentiment_score":-0.01626889407634735}],"sentiment":"neutral","sentiment_score":-0.01626889407634735,"channel":0,"num_words":1,"start":534.51495,"end":534.675},{"sentences":[{"text":"but","start":534.55,"end":534.95,"sentiment":"neutral","sentiment_score":-0.029807455837726593}],"sentiment":"neutral","sentiment_score":-0.029807455837726593,"channel":1,"num_words":1,"start":534.55,"end":534.95},{"sentences":[{"text":"cons","start":534.675,"end":535.07495,"sentiment":"neutral","sentiment_score":-0.07609660178422928}],"sentiment":"neutral","sentiment_score":-0.07609660178422928,"channel":0,"num_words":1,"start":534.675,"end":535.07495},{"sentences":[{"text":"but","start":534.95,"end":535.19,"sentiment":"neutral","sentiment_score":-0.01683156192302704}],"sentiment":"neutral","sentiment_score":-0.01683156192302704,"channel":1,"num_words":1,"start":534.95,"end":535.19},{"sentences":[{"text":"is","start":535.07495,"end":535.57495,"sentiment":"neutral","sentiment_score":-0.003186844289302826}],"sentiment":"neutral","sentiment_score":-0.003186844289302826,"channel":0,"num_words":1,"start":535.07495,"end":535.57495},{"sentences":[{"text":"that's that's","start":535.19,"end":536.31,"sentiment":"neutral","sentiment_score":0.018003959208726883}],"sentiment":"neutral","sentiment_score":0.018003959208726883,"channel":1,"num_words":2,"start":535.19,"end":536.31},{"sentences":[{"text":"handy.","start":536.19495,"end":536.69495,"sentiment":"neutral","sentiment_score":0.016189884394407272}],"sentiment":"neutral","sentiment_score":0.016189884394407272,"channel":0,"num_words":1,"start":536.19495,"end":536.69495},{"sentences":[{"text":"why.","start":536.31,"end":536.55,"sentiment":"neutral","sentiment_score":-0.030554477125406265},{"text":"Like, I'm in this I'm in a similar position running a Caribbean dealership.","start":536.55,"end":539.93,"sentiment":"neutral","sentiment_score":0.039000231629380815},{"text":"I can point people into which van's gonna suit.","start":540.47003,"end":542.89,"sentiment":"neutral","sentiment_score":0.06452271300885412},{"text":"If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess.","start":542.95,"end":548.335,"sentiment":"neutral","sentiment_score":-0.08880107026351125},{"text":"That's","start":548.955,"end":549.195,"sentiment":"neutral","sentiment_score":0.03861378878355026}],"sentiment":"neutral","sentiment_score":-0.013754734769463539,"channel":1,"num_words":43,"start":536.31,"end":549.195},{"sentences":[{"text":"Yeah.","start":549.08997,"end":549.49,"sentiment":"neutral","sentiment_score":0.08309629559516907}],"sentiment":"neutral","sentiment_score":0.08309629559516907,"channel":0,"num_words":1,"start":549.08997,"end":549.49},{"sentences":[{"text":"your","start":549.195,"end":549.515,"sentiment":"neutral","sentiment_score":0.08630132675170898}],"sentiment":"neutral","sentiment_score":0.08630132675170898,"channel":1,"num_words":1,"start":549.195,"end":549.515},{"sentences":[{"text":"Yep.","start":549.49,"end":549.99,"sentiment":"neutral","sentiment_score":0.09307900071144104}],"sentiment":"neutral","sentiment_score":0.09307900071144104,"channel":0,"num_words":1,"start":549.49,"end":549.99},{"sentences":[{"text":"field.","start":549.515,"end":549.755,"sentiment":"neutral","sentiment_score":0.08623294532299042},{"text":"This is my field.","start":549.755,"end":550.815,"sentiment":"neutral","sentiment_score":0.10100333578884602},{"text":"So","start":551.91504,"end":552.41504,"sentiment":"neutral","sentiment_score":0.2021459937095642}],"sentiment":"neutral","sentiment_score":0.11539871369798978,"channel":1,"num_words":6,"start":549.515,"end":552.41504},{"sentences":[{"text":"Absolutely.","start":552.29,"end":552.79,"sentiment":"neutral","sentiment_score":0.30467772483825684}],"sentiment":"neutral","sentiment_score":0.30467772483825684,"channel":0,"num_words":1,"start":552.29,"end":552.79},{"sentences":[{"text":"for me, I know everything about what I have to do here.","start":552.715,"end":556.17505,"sentiment":"neutral","sentiment_score":0.2275902715822061},{"text":"No different for you guys doing your job.","start":556.23505,"end":557.755,"sentiment":"neutral","sentiment_score":0.15104670263826847},{"text":"I'd like to think that you know what you're doing with the area that you're working in.","start":557.755,"end":561.76,"sentiment":"neutral","sentiment_score":0.2076894001049154},{"text":"So I'm just going with what you guys recommend.","start":562.86,"end":565.04,"sentiment":"neutral","sentiment_score":0.3311075170834859}],"sentiment":"neutral","sentiment_score":0.22717705077451208,"channel":1,"num_words":46,"start":552.715,"end":565.04},{"sentences":[{"text":"Awesome.","start":565.745,"end":566.225,"sentiment":"positive","sentiment_score":0.6931888461112976},{"text":"And,","start":566.225,"end":566.625,"sentiment":"positive","sentiment_score":0.49682360887527466}],"sentiment":"positive","sentiment_score":0.5950062274932861,"channel":0,"num_words":2,"start":565.745,"end":566.625},{"sentences":[{"text":"And","start":566.3,"end":566.8,"sentiment":"positive","sentiment_score":0.5243300199508667}],"sentiment":"positive","sentiment_score":0.5243300199508667,"channel":1,"num_words":1,"start":566.3,"end":566.8},{"sentences":[{"text":"look, my job is pretty simple.","start":566.625,"end":568.405,"sentiment":"positive","sentiment_score":0.5827429791291555},{"text":"It's get you to the retirement goal as smoothly as possible with the best chance possible in","start":568.465,"end":574.91,"sentiment":"positive","sentiment_score":0.6026913506143233}],"sentiment":"positive","sentiment_score":0.5974874276181926,"channel":0,"num_words":23,"start":566.625,"end":574.91},{"sentences":[{"text":"yeah.","start":574.86,"end":575.36,"sentiment":"positive","sentiment_score":0.5260530710220337}],"sentiment":"positive","sentiment_score":0.5260530710220337,"channel":1,"num_words":1,"start":574.86,"end":575.36},{"sentences":[{"text":"a way that's comfortable for you.","start":574.91,"end":576.85,"sentiment":"positive","sentiment_score":0.46132269004980725},{"text":"You're","start":576.91,"end":577.14996,"sentiment":"neutral","sentiment_score":0.16471539437770844}],"sentiment":"positive","sentiment_score":0.4189502192395074,"channel":0,"num_words":7,"start":574.91,"end":577.14996},{"sentences":[{"text":"Yep.","start":577.145,"end":577.645,"sentiment":"neutral","sentiment_score":0.06733760237693787}],"sentiment":"neutral","sentiment_score":0.06733760237693787,"channel":1,"num_words":1,"start":577.145,"end":577.645},{"sentences":[{"text":"not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you","start":577.14996,"end":581.87,"sentiment":"neutral","sentiment_score":-0.1707924384819834}],"sentiment":"neutral","sentiment_score":-0.1707924384819834,"channel":0,"num_words":19,"start":577.14996,"end":581.87},{"sentences":[{"text":"Yep.","start":581.78503,"end":582.265,"sentiment":"neutral","sentiment_score":-0.039739515632390976}],"sentiment":"neutral","sentiment_score":-0.039739515632390976,"channel":1,"num_words":1,"start":581.78503,"end":582.265},{"sentences":[{"text":"or the","start":581.87,"end":582.35,"sentiment":"neutral","sentiment_score":0.018616873770952225}],"sentiment":"neutral","sentiment_score":0.018616873770952225,"channel":0,"num_words":2,"start":581.87,"end":582.35},{"sentences":[{"text":"Appreciate","start":582.265,"end":582.585,"sentiment":"neutral","sentiment_score":0.17421278357505798}],"sentiment":"neutral","sentiment_score":0.17421278357505798,"channel":1,"num_words":1,"start":582.265,"end":582.585},{"sentences":[{"text":"style","start":582.35,"end":582.58997,"sentiment":"neutral","sentiment_score":0.10761062055826189}],"sentiment":"neutral","sentiment_score":0.10761062055826189,"channel":0,"num_words":1,"start":582.35,"end":582.58997},{"sentences":[{"text":"it.","start":582.585,"end":583.085,"sentiment":"neutral","sentiment_score":0.09550410509109496}],"sentiment":"neutral","sentiment_score":0.09550410509109496,"channel":1,"num_words":1,"start":582.585,"end":583.085},{"sentences":[{"text":"of investments.","start":582.58997,"end":583.33,"sentiment":"neutral","sentiment_score":0.020571950823068622}],"sentiment":"neutral","sentiment_score":0.020571950823068622,"channel":0,"num_words":2,"start":582.58997,"end":583.33},{"sentences":[{"text":"No.","start":584.025,"end":584.265,"sentiment":"neutral","sentiment_score":0.01107749529182911},{"text":"Otherwise yeah.","start":584.265,"end":584.985,"sentiment":"neutral","sentiment_score":0.12980275973677635},{"text":"I'm happy, mate.","start":584.985,"end":585.705,"sentiment":"positive","sentiment_score":0.6438031395276388},{"text":"From outperforming the other two where I was, then it's","start":585.705,"end":588.265,"sentiment":"positive","sentiment_score":0.39800816029310226}],"sentiment":"positive","sentiment_score":0.38638587726745754,"channel":1,"num_words":16,"start":584.025,"end":588.265},{"sentences":[{"text":"Yep.","start":588.155,"end":588.655,"sentiment":"positive","sentiment_score":0.3750892281532288}],"sentiment":"positive","sentiment_score":0.3750892281532288,"channel":0,"num_words":1,"start":588.155,"end":588.655},{"sentences":[{"text":"worth being there.","start":588.265,"end":589.145,"sentiment":"positive","sentiment_score":0.40055085221926373},{"text":"So we can","start":589.145,"end":589.705,"sentiment":"positive","sentiment_score":0.3586975534756978}],"sentiment":"positive","sentiment_score":0.3796242028474808,"channel":1,"num_words":6,"start":588.265,"end":589.705},{"sentences":[{"text":"Cool.","start":589.675,"end":590.175,"sentiment":"positive","sentiment_score":0.38753336668014526}],"sentiment":"positive","sentiment_score":0.38753336668014526,"channel":0,"num_words":1,"start":589.675,"end":590.175},{"sentences":[{"text":"ask.","start":589.705,"end":590.205,"sentiment":"neutral","sentiment_score":0.18587058782577515}],"sentiment":"neutral","sentiment_score":0.18587058782577515,"channel":1,"num_words":1,"start":589.705,"end":590.205},{"sentences":[{"text":"At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise.","start":590.795,"end":596.975,"sentiment":"positive","sentiment_score":0.36460641703822394}],"sentiment":"positive","sentiment_score":0.36460641703822394,"channel":0,"num_words":22,"start":590.795,"end":596.975},{"sentences":[{"text":"Yep.","start":597.11,"end":597.61,"sentiment":"neutral","sentiment_score":0.13423733413219452}],"sentiment":"neutral","sentiment_score":0.13423733413219452,"channel":1,"num_words":1,"start":597.11,"end":597.61},{"sentences":[{"text":"There is a few things coming down the line that we're keeping an eye on, which is","start":597.11005,"end":600.47003,"sentiment":"neutral","sentiment_score":0.06760064994587618}],"sentiment":"neutral","sentiment_score":0.06760064994587618,"channel":0,"num_words":17,"start":597.11005,"end":600.47003},{"sentences":[{"text":"Yep.","start":600.39,"end":600.89,"sentiment":"neutral","sentiment_score":0.04228886216878891}],"sentiment":"neutral","sentiment_score":0.04228886216878891,"channel":1,"num_words":1,"start":600.39,"end":600.89},{"sentences":[{"text":"why I'm kind of thinking of that restructure in twelve months' time,","start":600.47003,"end":603.69,"sentiment":"neutral","sentiment_score":0.04290000939120849}],"sentiment":"neutral","sentiment_score":0.04290000939120849,"channel":0,"num_words":12,"start":600.47003,"end":603.69},{"sentences":[{"text":"Mhmm.","start":603.83,"end":604.33,"sentiment":"neutral","sentiment_score":0.03171426057815552}],"sentiment":"neutral","sentiment_score":0.03171426057815552,"channel":1,"num_words":1,"start":603.83,"end":604.33},{"sentences":[{"text":"which may get us a few switches a little bit","start":603.83,"end":606.31006,"sentiment":"neutral","sentiment_score":0.031815511733293535}],"sentiment":"neutral","sentiment_score":0.031815511733293535,"channel":0,"num_words":10,"start":603.83,"end":606.31006},{"sentences":[{"text":"Yep.","start":606.09503,"end":606.59503,"sentiment":"neutral","sentiment_score":0.06973975151777267}],"sentiment":"neutral","sentiment_score":0.06973975151777267,"channel":1,"num_words":1,"start":606.09503,"end":606.59503},{"sentences":[{"text":"quicker for you.","start":606.31006,"end":607.29004,"sentiment":"neutral","sentiment_score":0.10425630211830139}],"sentiment":"neutral","sentiment_score":0.10425630211830139,"channel":0,"num_words":3,"start":606.31006,"end":607.29004},{"sentences":[{"text":"Oh, sounds fantastic.","start":607.215,"end":608.35504,"sentiment":"positive","sentiment_score":0.5045461654663086}],"sentiment":"positive","sentiment_score":0.5045461654663086,"channel":1,"num_words":3,"start":607.215,"end":608.35504},{"sentences":[{"text":"Outside of that, can I just quickly check-in terms of circumstances?","start":609.59,"end":613.835,"sentiment":"neutral","sentiment_score":0.05706565928730098},{"text":"You're still earning about a $100, same","start":614.215,"end":616.615,"sentiment":"neutral","sentiment_score":0.02278969875935997}],"sentiment":"neutral","sentiment_score":0.043736119081990585,"channel":0,"num_words":18,"start":609.59,"end":616.615},{"sentences":[{"text":"Yeah.","start":616.41504,"end":616.655,"sentiment":"neutral","sentiment_score":0.014937149360775948}],"sentiment":"neutral","sentiment_score":0.014937149360775948,"channel":1,"num_words":1,"start":616.41504,"end":616.655},{"sentences":[{"text":"employer.","start":616.615,"end":617.115,"sentiment":"neutral","sentiment_score":0.01636117696762085}],"sentiment":"neutral","sentiment_score":0.01636117696762085,"channel":0,"num_words":1,"start":616.615,"end":617.115},{"sentences":[{"text":"About that.","start":616.655,"end":617.215,"sentiment":"neutral","sentiment_score":0.027437700890004635},{"text":"Yep.","start":617.215,"end":617.61505,"sentiment":"neutral","sentiment_score":0.03894331678748131},{"text":"Yep.","start":617.61505,"end":618.11505,"sentiment":"neutral","sentiment_score":0.03567391261458397}],"sentiment":"neutral","sentiment_score":0.03237315779551864,"channel":1,"num_words":4,"start":616.655,"end":618.11505},{"sentences":[{"text":"Yep.","start":617.735,"end":618.235,"sentiment":"neutral","sentiment_score":0.03022988885641098},{"text":"Three children, Amanda,","start":619.415,"end":621.275,"sentiment":"neutral","sentiment_score":0.024340289334456127}],"sentiment":"neutral","sentiment_score":0.02581268921494484,"channel":0,"num_words":4,"start":617.735,"end":621.275},{"sentences":[{"text":"Yep.","start":620.86,"end":621.36,"sentiment":"neutral","sentiment_score":0.02731642685830593},{"text":"Yep.","start":621.82,"end":622.32,"sentiment":"neutral","sentiment_score":0.02457931637763977}],"sentiment":"neutral","sentiment_score":0.02594787161797285,"channel":1,"num_words":2,"start":620.86,"end":622.32},{"sentences":[{"text":"family changes,","start":621.895,"end":622.955,"sentiment":"neutral","sentiment_score":0.014809183776378632}],"sentiment":"neutral","sentiment_score":0.014809183776378632,"channel":0,"num_words":2,"start":621.895,"end":622.955},{"sentences":[{"text":"No.","start":623.42,"end":623.92,"sentiment":"neutral","sentiment_score":0.0033768117427825928}],"sentiment":"neutral","sentiment_score":0.0033768117427825928,"channel":1,"num_words":1,"start":623.42,"end":623.92},{"sentences":[{"text":"Home, car, caravan.","start":624.68005,"end":625.98004,"sentiment":"neutral","sentiment_score":0.01688180584460497}],"sentiment":"neutral","sentiment_score":0.01688180584460497,"channel":0,"num_words":3,"start":624.68005,"end":625.98004},{"sentences":[{"text":"Identical.","start":626.77997,"end":627.27997,"sentiment":"neutral","sentiment_score":0.20181943476200104}],"sentiment":"neutral","sentiment_score":0.20181943476200104,"channel":1,"num_words":1,"start":626.77997,"end":627.27997},{"sentences":[{"text":"Fantastic.","start":628.76,"end":629.26,"sentiment":"positive","sentiment_score":0.4762210547924042},{"text":"And did you actually put a will in place?","start":630.04004,"end":631.88,"sentiment":"neutral","sentiment_score":0.07188931728402774},{"text":"It says that we had a note that you did.","start":631.88,"end":633.58,"sentiment":"neutral","sentiment_score":0.02050129510462284}],"sentiment":"neutral","sentiment_score":0.06641189306974411,"channel":0,"num_words":20,"start":628.76,"end":633.58},{"sentences":[{"text":"Probably.","start":634.865,"end":635.365,"sentiment":"neutral","sentiment_score":0.004686627071350813},{"text":"Well, I should have had a wheel.","start":635.425,"end":636.385,"sentiment":"neutral","sentiment_score":-0.015038938128522463},{"text":"I probably should have had a wheel review.","start":636.385,"end":638.545,"sentiment":"neutral","sentiment_score":-0.019428471103310585},{"text":"I've had a wheel since 2014 when I lost","start":638.545,"end":642.545,"sentiment":"neutral","sentiment_score":-0.03222477725810475}],"sentiment":"neutral","sentiment_score":-0.021841468159109353,"channel":1,"num_words":25,"start":634.865,"end":642.545},{"sentences":[{"text":"20","start":642.375,"end":642.855,"sentiment":"neutral","sentiment_score":-0.041150934994220734}],"sentiment":"neutral","sentiment_score":-0.041150934994220734,"channel":0,"num_words":1,"start":642.375,"end":642.855},{"sentences":[{"text":"my son.","start":642.545,"end":643.205,"sentiment":"neutral","sentiment_score":-0.040015194565057755}],"sentiment":"neutral","sentiment_score":-0.040015194565057755,"channel":1,"num_words":2,"start":642.545,"end":643.205},{"sentences":[{"text":"40.","start":642.855,"end":643.355,"sentiment":"neutral","sentiment_score":-0.0034136236645281315},{"text":"Yep.","start":643.57495,"end":643.975,"sentiment":"neutral","sentiment_score":0.0009546764194965364},{"text":"Okay.","start":643.975,"end":644.295,"sentiment":"neutral","sentiment_score":-0.016481854021549225},{"text":"So that's still there, but it might need a bit of an update.","start":644.295,"end":646.71497,"sentiment":"neutral","sentiment_score":-0.06838579963033016}],"sentiment":"neutral","sentiment_score":-0.056747262278804556,"channel":0,"num_words":16,"start":642.855,"end":646.71497},{"sentences":[{"text":"Yeah.","start":647.55,"end":647.95,"sentiment":"neutral","sentiment_score":-0.025852635502815247},{"text":"I've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months","start":647.95,"end":655.47003,"sentiment":"neutral","sentiment_score":-0.04683323325994222}],"sentiment":"neutral","sentiment_score":-0.0459590416867286,"channel":1,"num_words":24,"start":647.55,"end":655.47003},{"sentences":[{"text":"K.","start":655.43,"end":655.93,"sentiment":"neutral","sentiment_score":-0.03818820044398308}],"sentiment":"neutral","sentiment_score":-0.03818820044398308,"channel":0,"num_words":1,"start":655.43,"end":655.93},{"sentences":[{"text":"ago.","start":655.47003,"end":655.97003,"sentiment":"neutral","sentiment_score":-0.04148034006357193},{"text":"It's the only thing I've gotta change.","start":656.11,"end":657.31,"sentiment":"neutral","sentiment_score":-0.05544450293694224},{"text":"I've made everything still the same.","start":657.31,"end":658.59,"sentiment":"neutral","sentiment_score":0.013478755097215375},{"text":"It's just gonna change address that I own.","start":658.59,"end":660.825,"sentiment":"neutral","sentiment_score":0.012995755532756448},{"text":"Other than that, everything else in the world is the same.","start":661.145,"end":663.485,"sentiment":"neutral","sentiment_score":0.029002264311367817}],"sentiment":"neutral","sentiment_score":0.002250655201461279,"channel":1,"num_words":33,"start":655.47003,"end":663.485},{"sentences":[{"text":"I","start":664.10504,"end":664.265,"sentiment":"neutral","sentiment_score":0.1443922370672226}],"sentiment":"neutral","sentiment_score":0.1443922370672226,"channel":1,"num_words":1,"start":664.10504,"end":664.265},{"sentences":[{"text":"Perfect.","start":664.165,"end":664.665,"sentiment":"neutral","sentiment_score":0.27996712923049927}],"sentiment":"neutral","sentiment_score":0.27996712923049927,"channel":0,"num_words":1,"start":664.165,"end":664.665},{"sentences":[{"text":"don't know.","start":664.265,"end":664.505,"sentiment":"neutral","sentiment_score":0.07593518868088722},{"text":"It goes to Amanda.","start":664.505,"end":665.305,"sentiment":"neutral","sentiment_score":0.04709103284403682},{"text":"Everything yeah.","start":665.305,"end":666.185,"sentiment":"neutral","sentiment_score":0.08118514716625214},{"text":"It doesn't none of that changes.","start":666.185,"end":668.125,"sentiment":"neutral","sentiment_score":0.04884907603263855},{"text":"So","start":668.265,"end":668.505,"sentiment":"neutral","sentiment_score":0.023328259587287903}],"sentiment":"neutral","sentiment_score":0.05460183459023635,"channel":1,"num_words":15,"start":664.265,"end":668.505},{"sentences":[{"text":"Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney?","start":669.205,"end":674.185,"sentiment":"neutral","sentiment_score":-0.0002711495229353507},{"text":"So if you're in hospital, you can't ask.","start":674.34,"end":676.26,"sentiment":"neutral","sentiment_score":-0.024692170205526054},{"text":"Amanda can talk to the doctors,","start":676.26,"end":678.02,"sentiment":"neutral","sentiment_score":0.0022400453065832457}],"sentiment":"neutral","sentiment_score":-0.005015912588293615,"channel":0,"num_words":38,"start":669.205,"end":678.02},{"sentences":[{"text":"Yeah.","start":677.65,"end":678.13,"sentiment":"neutral","sentiment_score":0.003965520299971104}],"sentiment":"neutral","sentiment_score":0.003965520299971104,"channel":1,"num_words":1,"start":677.65,"end":678.13},{"sentences":[{"text":"access","start":678.02,"end":678.26,"sentiment":"neutral","sentiment_score":0.0008972645737230778}],"sentiment":"neutral","sentiment_score":0.0008972645737230778,"channel":0,"num_words":1,"start":678.02,"end":678.26},{"sentences":[{"text":"As","start":678.13,"end":678.37,"sentiment":"neutral","sentiment_score":-0.0006412477232515812}],"sentiment":"neutral","sentiment_score":-0.0006412477232515812,"channel":1,"num_words":1,"start":678.13,"end":678.37},{"sentences":[{"text":"the","start":678.26,"end":678.42004,"sentiment":"neutral","sentiment_score":0.003456711769104004}],"sentiment":"neutral","sentiment_score":0.003456711769104004,"channel":0,"num_words":1,"start":678.26,"end":678.42004},{"sentences":[{"text":"far","start":678.37,"end":678.53,"sentiment":"neutral","sentiment_score":0.00213481392711401}],"sentiment":"neutral","sentiment_score":0.00213481392711401,"channel":1,"num_words":1,"start":678.37,"end":678.53},{"sentences":[{"text":"bank","start":678.42004,"end":678.66003,"sentiment":"neutral","sentiment_score":0.006480484735220671}],"sentiment":"neutral","sentiment_score":0.006480484735220671,"channel":0,"num_words":1,"start":678.42004,"end":678.66003},{"sentences":[{"text":"as","start":678.53,"end":678.69,"sentiment":"neutral","sentiment_score":0.004338367842137814}],"sentiment":"neutral","sentiment_score":0.004338367842137814,"channel":1,"num_words":1,"start":678.53,"end":678.69},{"sentences":[{"text":"accounts.","start":678.66003,"end":679.16003,"sentiment":"neutral","sentiment_score":0.0018387790769338608}],"sentiment":"neutral","sentiment_score":0.0018387790769338608,"channel":0,"num_words":1,"start":678.66003,"end":679.16003},{"sentences":[{"text":"I know as far as I know, we've already done that with the wheel.","start":678.69,"end":681.51,"sentiment":"neutral","sentiment_score":0.015511586397354091}],"sentiment":"neutral","sentiment_score":0.015511586397354091,"channel":1,"num_words":14,"start":678.69,"end":681.51},{"sentences":[{"text":"Yep.","start":681.30005,"end":681.80005,"sentiment":"neutral","sentiment_score":0.1979685127735138},{"text":"Perfect.","start":682.10004,"end":682.60004,"sentiment":"positive","sentiment_score":0.5524330139160156}],"sentiment":"positive","sentiment_score":0.3752007633447647,"channel":0,"num_words":2,"start":681.30005,"end":682.60004},{"sentences":[{"text":"Alright.","start":682.21,"end":682.53,"sentiment":"neutral","sentiment_score":0.2657344937324524},{"text":"I'll have to I'll have to double check that with my solicitor.","start":682.53,"end":684.55005,"sentiment":"neutral","sentiment_score":0.17866016055146852}],"sentiment":"neutral","sentiment_score":0.185358186180775,"channel":1,"num_words":13,"start":682.21,"end":684.55005},{"sentences":[{"text":"Awesome.","start":685.22003,"end":685.72003,"sentiment":"positive","sentiment_score":0.6553759574890137},{"text":"The insurance policy that got kind of cleaned up, so a mill of life and disability insurance.","start":686.66003,"end":693.215,"sentiment":"positive","sentiment_score":0.34979967334691214},{"text":"You've got your","start":693.435,"end":693.995,"sentiment":"neutral","sentiment_score":0.23338167866071066}],"sentiment":"positive","sentiment_score":0.34771978287469774,"channel":0,"num_words":21,"start":685.22003,"end":693.995},{"sentences":[{"text":"Yep.","start":693.955,"end":694.455,"sentiment":"neutral","sentiment_score":0.19250273704528809}],"sentiment":"neutral","sentiment_score":0.19250273704528809,"channel":1,"num_words":1,"start":693.955,"end":694.455},{"sentences":[{"text":"income protection, which obviously your income hasn't changed.","start":693.995,"end":696.495,"sentiment":"neutral","sentiment_score":0.15176812279969454}],"sentiment":"neutral","sentiment_score":0.15176812279969454,"channel":0,"num_words":8,"start":693.995,"end":696.495},{"sentences":[{"text":"Yep.","start":696.675,"end":697.175,"sentiment":"neutral","sentiment_score":0.09637880325317384}],"sentiment":"neutral","sentiment_score":0.09637880325317384,"channel":1,"num_words":1,"start":696.675,"end":697.175},{"sentences":[{"text":"Thirty day waiting period, five year benefit.","start":696.955,"end":699.055,"sentiment":"neutral","sentiment_score":0.10689048256192889},{"text":"If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit","start":699.435,"end":703.675,"sentiment":"neutral","sentiment_score":0.1881355121731758}],"sentiment":"neutral","sentiment_score":0.16978986032547488,"channel":0,"num_words":31,"start":696.955,"end":703.675},{"sentences":[{"text":"Yep.","start":703.555,"end":704.055,"sentiment":"neutral","sentiment_score":0.20991015434265137}],"sentiment":"neutral","sentiment_score":0.20991015434265137,"channel":1,"num_words":1,"start":703.555,"end":704.055},{"sentences":[{"text":"easier for you.","start":703.675,"end":704.37,"sentiment":"neutral","sentiment_score":0.2637047966321309}],"sentiment":"neutral","sentiment_score":0.2637047966321309,"channel":0,"num_words":3,"start":703.675,"end":704.37},{"sentences":[{"text":"Yep.","start":704.995,"end":705.495,"sentiment":"neutral","sentiment_score":0.1113847643136978}],"sentiment":"neutral","sentiment_score":0.1113847643136978,"channel":1,"num_words":1,"start":704.995,"end":705.495},{"sentences":[{"text":"It's under 2 grands once the 15% rebate comes off of it.","start":705.25,"end":709.51,"sentiment":"neutral","sentiment_score":0.12563927782078585},{"text":"Basically, if you're happy that your circumstances haven't changed, I'll keep an eye on it.","start":709.73,"end":714.21,"sentiment":"neutral","sentiment_score":0.16333804825941722},{"text":"If the prices start skyrocketing, we can shop","start":714.21,"end":717.01,"sentiment":"neutral","sentiment_score":0.1415432384237647}],"sentiment":"neutral","sentiment_score":0.14543108471802302,"channel":0,"num_words":35,"start":705.25,"end":717.01},{"sentences":[{"text":"Yep.","start":716.94,"end":717.44,"sentiment":"neutral","sentiment_score":0.12852251529693604}],"sentiment":"neutral","sentiment_score":0.12852251529693604,"channel":1,"num_words":1,"start":716.94,"end":717.44},{"sentences":[{"text":"around, trim it down, whatever you need.","start":717.01,"end":718.755,"sentiment":"neutral","sentiment_score":0.1234081621680941}],"sentiment":"neutral","sentiment_score":0.1234081621680941,"channel":0,"num_words":7,"start":717.01,"end":718.755},{"sentences":[{"text":"Yep.","start":719.045,"end":719.285,"sentiment":"neutral","sentiment_score":0.061137109994888306},{"text":"No.","start":719.285,"end":719.605,"sentiment":"neutral","sentiment_score":-0.10865513235330582},{"text":"I'm happy with all that.","start":719.605,"end":720.40497,"sentiment":"neutral","sentiment_score":-0.15050638765096663},{"text":"That still sounds good still.","start":720.40497,"end":721.705,"sentiment":"neutral","sentiment_score":0.2231530576944351},{"text":"Still","start":721.845,"end":722.245,"sentiment":"neutral","sentiment_score":0.19000884890556335}],"sentiment":"neutral","sentiment_score":0.03890185975111448,"channel":1,"num_words":13,"start":719.045,"end":722.245},{"sentences":[{"text":"Perfect.","start":721.955,"end":722.355,"sentiment":"positive","sentiment_score":0.36408400535583496}],"sentiment":"positive","sentiment_score":0.36408400535583496,"channel":0,"num_words":1,"start":721.955,"end":722.355},{"sentences":[{"text":"still","start":722.245,"end":722.40497,"sentiment":"neutral","sentiment_score":0.10723157972097395}],"sentiment":"neutral","sentiment_score":0.10723157972097395,"channel":1,"num_words":1,"start":722.245,"end":722.40497},{"sentences":[{"text":"The","start":722.355,"end":722.435,"sentiment":"neutral","sentiment_score":0.11526434868574142}],"sentiment":"neutral","sentiment_score":0.11526434868574142,"channel":0,"num_words":1,"start":722.355,"end":722.435},{"sentences":[{"text":"still","start":722.40497,"end":722.90497,"sentiment":"neutral","sentiment_score":0.06351959705352783}],"sentiment":"neutral","sentiment_score":0.06351959705352783,"channel":1,"num_words":1,"start":722.40497,"end":722.90497},{"sentences":[{"text":"only thing","start":722.435,"end":723.175,"sentiment":"neutral","sentiment_score":0.08291216194629669}],"sentiment":"neutral","sentiment_score":0.08291216194629669,"channel":0,"num_words":2,"start":722.435,"end":723.175},{"sentences":[{"text":"working.","start":723.045,"end":723.545,"sentiment":"neutral","sentiment_score":0.0578884482383728}],"sentiment":"neutral","sentiment_score":0.0578884482383728,"channel":1,"num_words":1,"start":723.045,"end":723.545},{"sentences":[{"text":"can I send you a bit of an updated beneficiary form to get","start":724.195,"end":728.03503,"sentiment":"neutral","sentiment_score":0.06918723938556817}],"sentiment":"neutral","sentiment_score":0.06918723938556817,"channel":0,"num_words":13,"start":724.195,"end":728.03503},{"sentences":[{"text":"Yep.","start":728.005,"end":728.505,"sentiment":"neutral","sentiment_score":0.05024239420890808}],"sentiment":"neutral","sentiment_score":0.05024239420890808,"channel":1,"num_words":1,"start":728.005,"end":728.505},{"sentences":[{"text":"Amanda listed on the super?","start":728.03503,"end":729.655,"sentiment":"neutral","sentiment_score":0.051372652500867845}],"sentiment":"neutral","sentiment_score":0.051372652500867845,"channel":0,"num_words":5,"start":728.03503,"end":729.655},{"sentences":[{"text":"Mhmm.","start":729.525,"end":730.025,"sentiment":"neutral","sentiment_score":0.05053365230560303},{"text":"Yep.","start":730.085,"end":730.585,"sentiment":"neutral","sentiment_score":0.09743596613407136}],"sentiment":"neutral","sentiment_score":0.07398480921983719,"channel":1,"num_words":2,"start":729.525,"end":730.585},{"sentences":[{"text":"Perfect.","start":731.09,"end":731.37,"sentiment":"neutral","sentiment_score":0.27369844913482666}],"sentiment":"neutral","sentiment_score":0.27369844913482666,"channel":0,"num_words":1,"start":731.09,"end":731.37},{"sentences":[{"text":"Email","start":731.16,"end":731.48,"sentiment":"neutral","sentiment_score":0.18903225660324097}],"sentiment":"neutral","sentiment_score":0.18903225660324097,"channel":1,"num_words":1,"start":731.16,"end":731.48},{"sentences":[{"text":"You","start":731.37,"end":731.65,"sentiment":"neutral","sentiment_score":0.10773023962974548}],"sentiment":"neutral","sentiment_score":0.10773023962974548,"channel":0,"num_words":1,"start":731.37,"end":731.65},{"sentences":[{"text":"to me.","start":731.48,"end":731.64,"sentiment":"neutral","sentiment_score":0.145926084369421},{"text":"I'll","start":731.64,"end":731.72,"sentiment":"neutral","sentiment_score":0.1702251136302948}],"sentiment":"neutral","sentiment_score":0.15402576078971228,"channel":1,"num_words":3,"start":731.48,"end":731.72},{"sentences":[{"text":"got","start":731.65,"end":731.81006,"sentiment":"neutral","sentiment_score":0.17803505063056946}],"sentiment":"neutral","sentiment_score":0.17803505063056946,"channel":0,"num_words":1,"start":731.65,"end":731.81006},{"sentences":[{"text":"get","start":731.72,"end":731.88,"sentiment":"neutral","sentiment_score":0.1564450562000275}],"sentiment":"neutral","sentiment_score":0.1564450562000275,"channel":1,"num_words":1,"start":731.72,"end":731.88},{"sentences":[{"text":"the","start":731.81006,"end":731.97003,"sentiment":"neutral","sentiment_score":0.17561402916908264}],"sentiment":"neutral","sentiment_score":0.17561402916908264,"channel":0,"num_words":1,"start":731.81006,"end":731.97003},{"sentences":[{"text":"it signed","start":731.88,"end":732.2,"sentiment":"neutral","sentiment_score":0.1526341289281845}],"sentiment":"neutral","sentiment_score":0.1526341289281845,"channel":1,"num_words":2,"start":731.88,"end":732.2},{"sentences":[{"text":"how","start":731.97003,"end":732.21,"sentiment":"neutral","sentiment_score":0.18293464183807373}],"sentiment":"neutral","sentiment_score":0.18293464183807373,"channel":0,"num_words":1,"start":731.97003,"end":732.21},{"sentences":[{"text":"today.","start":732.2,"end":732.36,"sentiment":"neutral","sentiment_score":0.18128728866577148}],"sentiment":"neutral","sentiment_score":0.18128728866577148,"channel":1,"num_words":1,"start":732.2,"end":732.36},{"sentences":[{"text":"to do","start":732.21,"end":732.69,"sentiment":"neutral","sentiment_score":0.10849538072943687}],"sentiment":"neutral","sentiment_score":0.10849538072943687,"channel":0,"num_words":2,"start":732.21,"end":732.69},{"sentences":[{"text":"I'm back to you today.","start":732.36,"end":733.33997,"sentiment":"neutral","sentiment_score":0.17432442903518677}],"sentiment":"neutral","sentiment_score":0.17432442903518677,"channel":1,"num_words":5,"start":732.36,"end":733.33997},{"sentences":[{"text":"Yep.","start":733.73004,"end":734.13,"sentiment":"neutral","sentiment_score":0.07536356151103973},{"text":"Well, are you okay to print it out, or would you want me to post it to you?","start":734.13,"end":737.59,"sentiment":"neutral","sentiment_score":0.038721764046284884}],"sentiment":"neutral","sentiment_score":0.04065027970232462,"channel":0,"num_words":19,"start":733.73004,"end":737.59},{"sentences":[{"text":"No.","start":737.56,"end":737.8,"sentiment":"neutral","sentiment_score":-0.029112735763192177},{"text":"I'll just print it out now.","start":737.8,"end":738.83997,"sentiment":"neutral","sentiment_score":-0.004679850613077481},{"text":"Yeah.","start":738.83997,"end":739.0,"sentiment":"neutral","sentiment_score":0.08958503603935242},{"text":"Just send me an","start":739.0,"end":739.56,"sentiment":"neutral","sentiment_score":0.11804594099521637}],"sentiment":"neutral","sentiment_score":0.0420480800482134,"channel":1,"num_words":12,"start":737.56,"end":739.56},{"sentences":[{"text":"Sensational.","start":739.49,"end":739.99,"sentiment":"neutral","sentiment_score":0.1418708562850952}],"sentiment":"neutral","sentiment_score":0.1418708562850952,"channel":0,"num_words":1,"start":739.49,"end":739.99},{"sentences":[{"text":"email.","start":739.56,"end":739.8,"sentiment":"neutral","sentiment_score":0.11743047833442688},{"text":"I'll get it printed printed while I'm at work.","start":739.8,"end":741.39996,"sentiment":"neutral","sentiment_score":0.11706434355841742},{"text":"I'll get it assigned it.","start":741.39996,"end":742.44,"sentiment":"neutral","sentiment_score":0.15366966128349305},{"text":"I'll go witness here so I can get it all done today.","start":742.44,"end":744.855,"sentiment":"neutral","sentiment_score":0.22857394193609556}],"sentiment":"neutral","sentiment_score":0.173416488148548,"channel":1,"num_words":27,"start":739.56,"end":744.855},{"sentences":[{"text":"Easy done.","start":745.26495,"end":745.90497,"sentiment":"positive","sentiment_score":0.3882400542497635},{"text":"Mate, any questions for me so far?","start":745.90497,"end":747.605,"sentiment":"neutral","sentiment_score":0.09520187122481209}],"sentiment":"neutral","sentiment_score":0.16032146745257908,"channel":0,"num_words":9,"start":745.26495,"end":747.605},{"sentences":[{"text":"Not not AG.","start":747.57495,"end":748.71497,"sentiment":"neutral","sentiment_score":-0.01814397828032573}],"sentiment":"neutral","sentiment_score":-0.01814397828032573,"channel":1,"num_words":3,"start":747.57495,"end":748.71497},{"sentences":[{"text":"Alright.","start":749.26495,"end":749.665,"sentiment":"neutral","sentiment_score":0.06080709025263786},{"text":"I'll leave that Odoo sign pack with you.","start":749.665,"end":752.305,"sentiment":"neutral","sentiment_score":0.10638828948140144},{"text":"Again, fees","start":752.305,"end":753.105,"sentiment":"neutral","sentiment_score":0.04516558721661568}],"sentiment":"neutral","sentiment_score":0.09111314368518916,"channel":0,"num_words":11,"start":749.26495,"end":753.105},{"sentences":[{"text":"Yep.","start":752.855,"end":753.355,"sentiment":"neutral","sentiment_score":0.04722245782613754}],"sentiment":"neutral","sentiment_score":0.04722245782613754,"channel":1,"num_words":1,"start":752.855,"end":753.355},{"sentences":[{"text":"are the same, 1.6","start":753.105,"end":754.225,"sentiment":"neutral","sentiment_score":0.06500606425106525}],"sentiment":"neutral","sentiment_score":0.06500606425106525,"channel":0,"num_words":4,"start":753.105,"end":754.225},{"sentences":[{"text":"Yep.","start":754.055,"end":754.555,"sentiment":"neutral","sentiment_score":0.04194825887680054}],"sentiment":"neutral","sentiment_score":0.04194825887680054,"channel":1,"num_words":1,"start":754.055,"end":754.555},{"sentences":[{"text":"5%.","start":754.225,"end":754.94495,"sentiment":"neutral","sentiment_score":0.0732126533985138},{"text":"Happy at","start":754.94495,"end":755.50494,"sentiment":"neutral","sentiment_score":0.2802373319864273}],"sentiment":"neutral","sentiment_score":0.21122910579045615,"channel":0,"num_words":3,"start":754.225,"end":755.50494},{"sentences":[{"text":"Yep.","start":755.415,"end":755.915,"sentiment":"neutral","sentiment_score":0.17944113910198212}],"sentiment":"neutral","sentiment_score":0.17944113910198212,"channel":1,"num_words":1,"start":755.415,"end":755.915},{"sentences":[{"text":"600,000 happy","start":755.50494,"end":757.105,"sentiment":"neutral","sentiment_score":0.30944696068763733}],"sentiment":"neutral","sentiment_score":0.30944696068763733,"channel":0,"num_words":2,"start":755.50494,"end":757.105},{"sentences":[{"text":"Perfect.","start":756.935,"end":757.435,"sentiment":"positive","sentiment_score":0.3471602201461792}],"sentiment":"positive","sentiment_score":0.3471602201461792,"channel":1,"num_words":1,"start":756.935,"end":757.435},{"sentences":[{"text":"days.","start":757.105,"end":757.605,"sentiment":"neutral","sentiment_score":0.061490997672080994},{"text":"Outside of","start":758.75,"end":759.39,"sentiment":"neutral","sentiment_score":-0.038752442225813866}],"sentiment":"neutral","sentiment_score":-0.005337962259848912,"channel":0,"num_words":3,"start":757.105,"end":759.39},{"sentences":[{"text":"Nope.","start":759.175,"end":759.63,"sentiment":"neutral","sentiment_score":-0.030051443725824356}],"sentiment":"neutral","sentiment_score":-0.030051443725824356,"channel":1,"num_words":1,"start":759.175,"end":759.63},{"sentences":[{"text":"that, I'll send that beneficiary forms through to you today as well in a separate","start":759.39,"end":763.39,"sentiment":"neutral","sentiment_score":0.2034554878870646}],"sentiment":"neutral","sentiment_score":0.2034554878870646,"channel":0,"num_words":15,"start":759.39,"end":763.39},{"sentences":[{"text":"Oh,","start":763.31,"end":763.81,"sentiment":"neutral","sentiment_score":0.2010419070720673}],"sentiment":"neutral","sentiment_score":0.2010419070720673,"channel":1,"num_words":1,"start":763.31,"end":763.81},{"sentences":[{"text":"email.","start":763.39,"end":763.89,"sentiment":"neutral","sentiment_score":0.24785128235816956}],"sentiment":"neutral","sentiment_score":0.24785128235816956,"channel":0,"num_words":1,"start":763.39,"end":763.89},{"sentences":[{"text":"sounds great.","start":764.03,"end":764.67,"sentiment":"positive","sentiment_score":0.8009299039840698},{"text":"Thanks, man.","start":764.67,"end":765.49,"sentiment":"positive","sentiment_score":0.838261753320694}],"sentiment":"positive","sentiment_score":0.8195958286523819,"channel":1,"num_words":4,"start":764.03,"end":765.49},{"sentences":[{"text":"Awesome.","start":765.63,"end":766.11005,"sentiment":"positive","sentiment_score":0.8485532999038696}],"sentiment":"positive","sentiment_score":0.8485532999038696,"channel":0,"num_words":1,"start":765.63,"end":766.11005},{"sentences":[{"text":"So","start":765.945,"end":766.445,"sentiment":"positive","sentiment_score":0.7372614145278931}],"sentiment":"positive","sentiment_score":0.7372614145278931,"channel":1,"num_words":1,"start":765.945,"end":766.445},{"sentences":[{"text":"Catch you in a little bit.","start":766.11005,"end":767.57,"sentiment":"positive","sentiment_score":0.6409848779439926}],"sentiment":"positive","sentiment_score":0.6409848779439926,"channel":0,"num_words":6,"start":766.11005,"end":767.57},{"sentences":[{"text":"yeah.","start":767.15,"end":767.65,"sentiment":"neutral","sentiment_score":0.3036647439002991},{"text":"Bye.","start":767.71,"end":768.21,"sentiment":"positive","sentiment_score":0.3336736857891083}],"sentiment":"neutral","sentiment_score":0.3186692148447037,"channel":1,"num_words":2,"start":767.15,"end":768.21},{"sentences":[{"text":"Thank you.","start":768.43,"end":768.91003,"sentiment":"positive","sentiment_score":0.726191371679306},{"text":"Bye.","start":768.91003,"end":769.17596,"sentiment":"neutral","sentiment_score":-0.1119781658053398}],"sentiment":"positive","sentiment_score":0.44680152585109073,"channel":0,"num_words":3,"start":768.43,"end":769.17596}]},"summary":{"result":"success","short":"An adviser from Asica contacts Ryan to go through his annual review and check his compliance status. They emphasize the importance of maintaining a consistent return and tailoring each point to each point. The speaker emphasizes the benefits of being a larger investment fund and the importance of tailoring each point to each point. They also discuss the positive performance of their investment in Hub, which is performing better than their previous investment in EISS and Australian Super. The speaker emphasizes the importance of being an informed investor and mentions the need to tailor each point to each point. They also discuss their retirement goals and circumstances, including a power of attorney and insurance policies. The speaker sends an updated beneficiary forms and agrees to send them."},"intents":{"segments":[{"text":"Mate, I'm just giving you a call to go through your annual review if you still have a bit of time. Yeah.","start_word":28,"end_word":49,"intents":[{"intent":"Request annual review","confidence_score":0.01659945}]},{"text":"Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay. Yep. Cool.","start_word":51,"end_word":85,"intents":[{"intent":"Send email pack","confidence_score":0.039697044},{"intent":"Check security","confidence_score":0.1389387}]},{"text":"Mate, could you please confirm your date of birth and address for me?","start_word":104,"end_word":116,"intents":[{"intent":"Confirm information","confidence_score":0.23232175}]},{"text":"I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety. Will you be able to look Yep. on to the email pack with me today, or should I just walk you through the documents? I can do it either.","start_word":133,"end_word":176,"intents":[{"intent":"Look at documents","confidence_score":0.10025566}]},{"text":"So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well. Okay.","start_word":235,"end_word":289,"intents":[{"intent":"Provide update on events","confidence_score":0.0021714324},{"intent":"Provide updates on achievements","confidence_score":0.00014262904}]},{"text":"So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well. Okay. Thank you.","start_word":235,"end_word":291,"intents":[{"intent":"Confirm completion","confidence_score":0.00014768913}]},{"text":"Now is there anything in particular Basically, that similar you want me thing. to touch on this year?","start_word":333,"end_word":350,"intents":[{"intent":"Discuss strategy","confidence_score":0.003999718}]},{"text":"I said I I said I'd stick it out as much as I can. And, like, if it's performing quite super and better than the ISS, then it's worth me being there. But Yep.","start_word":717,"end_word":750,"intents":[{"intent":"Evaluate fund performance","confidence_score":0.19280738}]},{"text":"One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over Yep. five years by about 4%.","start_word":999,"end_word":1034,"intents":[{"intent":"Compare funds","confidence_score":0.094517335}]},{"text":"Well, I figure you guys are gonna explain the pros. What this is to what because these are any advisers. So that's a if you do lose it, they'll come and hunt you down pretty I mean, much. still can.","start_word":1528,"end_word":1567,"intents":[{"intent":"Explain pros","confidence_score":0.015629547}]},{"text":"I can point people into which van's gonna suit. If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess. That's Yeah.","start_word":1596,"end_word":1625,"intents":[{"intent":"Work with specific van","confidence_score":0.00013371179}]},{"text":"It's get you to the retirement goal as smoothly as possible with the best chance possible in yeah. a way that's comfortable for you.","start_word":1690,"end_word":1713,"intents":[{"intent":"Reach retirement goal","confidence_score":0.30613354}]},{"text":"At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise. Yep.","start_word":1768,"end_word":1790,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.15682103}]},{"text":"can I send you a bit of an updated beneficiary form to get Yep. Amanda listed on the super?","start_word":2220,"end_word":2238,"intents":[{"intent":"Update beneficiary form","confidence_score":0.017634302}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05027693137526512},{"text":"Good morning, Ryan.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3806966841220856},{"text":"It's Tommy here, senior adviser from. How are you going?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.3077024817466736},{"text":"Good night. Living the dream, I hope.","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.5716115236282349},{"text":"Yeah. Come on. How can I help? Mate, I'm just giving you a call to go through your annual review if you still have a bit of time. Yeah.","start_word":21,"end_word":49,"sentiment":"neutral","sentiment_score":0.10246521234512328},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.5214199423789978},{"text":"Now what I'm just gonna do, I've got a bit of an email pack to send out to you, and I'm just gonna do a quick security check with you if that's okay. Yep. Cool. So we've got the call is recorded for training and quality purposes. I'm registered with Asica's adviser 1273105. Mate, could you please confirm your date of birth and address for me? It's 8 Of The 2nd 199014 Grayson, 2nd Cameron Park.","start_word":51,"end_word":126,"sentiment":"neutral","sentiment_score":0.12704381346702576},{"text":"Thank you so much for that.","start_word":127,"end_word":132,"sentiment":"positive","sentiment_score":0.6279762983322144},{"text":"I have your email address with the the Gmail listed, Ryan dot Blum nineteen ninety. Will you be able to look Yep. on to the email pack with me today, or should I just walk you through the documents? I can do it either. Yep. I'll wait. I'll be able to look for about five minutes. Yeah. That's no worries at all. I'll I'll kind of just start off with a bit of an update on the circumstances and a couple of sort of housekeeping items, and then we'll dive into the super together. Is that alright? Yep. Yep. That's fine.","start_word":133,"end_word":233,"sentiment":"neutral","sentiment_score":0.17620794475078583},{"text":"Perfect.","start_word":234,"end_word":234,"sentiment":"positive","sentiment_score":0.543215811252594},{"text":"So just to let you know what's on its way to you, we've got your updated performance report with the hub twenty four from the switchover that Kyle did for you last year. We've got your certificates for the insurances, updated financial services guide with license details, and the service agreement there as well. Okay.","start_word":235,"end_word":289,"sentiment":"neutral","sentiment_score":0.2451675534248352},{"text":"Thank you. Have a great day.","start_word":290,"end_word":295,"sentiment":"positive","sentiment_score":0.532414436340332},{"text":"You too. Alright. Sorry about that. No Yeah. worries So at he's all. Right? I've got, yeah, I've got the email. Yeah. He just sent me to Hub twenty four last year Yep. away from Netwealth.","start_word":296,"end_word":331,"sentiment":"neutral","sentiment_score":0.0007978232267002264},{"text":"Perfect.","start_word":332,"end_word":332,"sentiment":"positive","sentiment_score":0.4059053063392639},{"text":"Now is there anything in particular Basically, that similar you want me thing. to touch on this year? No. Like, every every super, it's, you know, fees fees down and try and make me as much money as you can. Yep.","start_word":333,"end_word":373,"sentiment":"neutral","sentiment_score":0.04065946489572525},{"text":"Absolutely. And one of the main goals that I had listed previously was you're trying to just get, like, a nice consistent return.","start_word":374,"end_word":396,"sentiment":"positive","sentiment_score":0.5007931590080261},{"text":"You're not trying to go to your high risk with it. Does that sound about right? Yep. Yep. Perfect. High So, risk is high gain, but at high risk is the risk part.","start_word":397,"end_word":429,"sentiment":"neutral","sentiment_score":0.06475076824426651},{"text":"So there is risk that you can piss it away.","start_word":430,"end_word":439,"sentiment":"negative","sentiment_score":-0.34463003277778625},{"text":"So yeah. So for your kind of risk return trade off, I guess, you're in a growth funds that kind of medium to high, not not high risk, Yep. but a couple of pegs below, And you've got 80 Yep. percent, you know, shares property gold. So the main thing is get a bit more growth than you were getting, lower the fees, but nothing where you're gonna crash and lose 50% of your super in a single year. Pretty much that's exactly it.","start_word":440,"end_word":523,"sentiment":"neutral","sentiment_score":0.04787678271532059},{"text":"Perfect.","start_word":524,"end_word":524,"sentiment":"positive","sentiment_score":0.437897652387619},{"text":"So you were sitting at, once we consolidated everything, a 176,000. You're at a hundred and ninety three four nine six. I don't know if you've seen market took a bit of a dive after Christmas time, particularly in March, but you've still jumped up into the positive there. We've got I compared your previous portfolio, and it's kind of if you stayed in the one that you're in last year, you would have been in the negative, that minus 2%, and you're up 7% this year. Yep. So even with a bit of a jitters, it's still in the positive, which is good, but it's about 1% below, like, the average high return when the markets are going up, if that makes sense. Yep. So at the moment, the market average. Yeah. Exactly right. So So I it's changed like from I basically changed from Australian Super and EISS. Yes. It was in both of I had a little bit of look see come at over to Netwealth originally. yep. And Energy then from Industry there, the hub. Superfund. Yep. And then I went from Netwealth to Hub. That's So right. I said I I said I'd stick it out as much as I can.","start_word":525,"end_word":730,"sentiment":"neutral","sentiment_score":0.0845028891870119},{"text":"And, like, if it's performing quite super and better than the ISS, then it's worth me being there.","start_word":731,"end_word":748,"sentiment":"positive","sentiment_score":0.34615322947502136},{"text":"But Yep. if it doesn't perform as good There are higher fees, and it is it is a in relation to those two, it is a no name fund compared to those two. But if it's performing better than them, then it's worth me being there.","start_word":749,"end_word":794,"sentiment":"neutral","sentiment_score":-0.19297806918621063},{"text":"But if it's not performing as good as them, there's no point in me staying with Hub twenty four or Netwealth if they're gonna be better.","start_word":795,"end_word":820,"sentiment":"negative","sentiment_score":-0.46022292971611023},{"text":"Yeah. So Yeah. So it's a pretty simple equation for you. It's just get better than what you were getting. it's pretty much, like, if you were me and you're trusting someone to, you know, play the share market with financial advisers and all the rest of it, you know, the benefit the benefit needs to outweigh where I was.","start_word":821,"end_word":880,"sentiment":"neutral","sentiment_score":0.13381125032901764},{"text":"Otherwise, why would I be there just to lose money?","start_word":881,"end_word":890,"sentiment":"negative","sentiment_score":-0.33658963441848755},{"text":"Yeah. It's like you pay the fees You know? to get a result. Then I just get my AGM letter. I don't have any checkups. I don't have to say how I want the money spent. It's just Yep. that you guys are a a bigger fund with the one one task of basically being better than the rest. Yeah. And that's the thing with Hub is they're kind of known for having the most investment options in the country, so you gotta make sure we've got you in the right ones, and that's Yes.","start_word":891,"end_word":985,"sentiment":"neutral","sentiment_score":0.15536479651927948},{"text":"what gets you the outcome at the end of the day.","start_word":986,"end_word":996,"sentiment":"positive","sentiment_score":0.4463434219360352},{"text":"Yep.","start_word":997,"end_word":997,"sentiment":"neutral","sentiment_score":0.1804337203502655},{"text":"One of the good news is comparing the old EISS and Australian Super is the growth fund that Carl put you into is still outperforming their high growth funds over Yep. five years by about 4%.","start_word":998,"end_word":1033,"sentiment":"positive","sentiment_score":0.4487406611442566},{"text":"So Yep. lower risk, higher returns, lower investment fees. Yeah. And that's pretty much what it when when I signed up. That was the reason to sign up. The fees were higher, but the returns were higher. Yeah. So the returns outweighed the extra fees to what you were gonna get charged before. The only difference was that you guys doing your annual checkup. A bit of it is with my insight, what I what I what I wanna risk and if I have any thoughts on where I would like the money spent. So I get that you guys can tailor each one to each point. Yep. But, yeah, for me, it's you know, I'm probably a lot smaller than a lot of the people that are on board with you guys in You're my pretty sense. well in the middle, to be honest, mate. Your average balance is a 180 across the firm. Yep. You're just shy of 200, and you've built your Yep. base up now where once you build your first 200, that's where you can go from the 200 to the mill. But at some point, I've got to obviously have that conversation with you about risk much, much Yep. further down the line too because you probably don't wanna be gross at 65 and lose 35% of your Subaru a year before you live off. But you know what I mean? Correct. Yep. One of the things I Sorry. wanna broach with you as well, if K. you don't mind, Yep.","start_word":1034,"end_word":1290,"sentiment":"neutral","sentiment_score":0.1056131049990654},{"text":"portfolio is looking really good. What Carl put you into has been our best performing growth option and especially Mhmm. long term as well.","start_word":1291,"end_word":1314,"sentiment":"positive","sentiment_score":0.4137552976608277},{"text":"If you would like a little bit more set and forget down the line, we can kind of package up your investments into something called an SMA, which is basically just a bubble that allows us to make a few chops and changes throughout the year without having to go through too many checkups, sign extra documents, and so on. Would that be preferable, or do you still appreciate that little bit of kind of tailoring on the review side? No. I'm not. But once he once he is pretty well enough, like, I don't really need it. If there's anything drastic that happens, I figure you can email me anyway. Yeah. Yep. But you guys are the financial experts so you can see how the market's going. So if you've got to change something from one commodity to another because you think that's gonna boom and it's gonna get higher, it's gonna bottom out, and you guys already have the authority to move it, don't you? Or do you have to ring to that at the moment? It's more the signing of the statement of advice. So we can send you the document, but you need to go, okay. This to that makes sense in my mind. Tick. Go for it. Yeah. Well, I figure you guys are gonna explain the pros. What this is to what because these are any advisers. So that's a if you do lose it, they'll come and hunt you down pretty I mean, much. still can. Still can, but Still pros can, and but cons but is that's that's handy. why. Like, I'm in this I'm in a similar position running a Caribbean dealership. I can point people into which van's gonna suit. If it doesn't suit for them, you know, they can hunt me down, but it's just an educated guess. That's Yeah. your Yep. field. This is my field. So Absolutely. for me, I know everything about what I have to do here. No different for you guys doing your job. I'd like to think that you know what you're doing with the area that you're working in. So I'm just going with what you guys recommend.","start_word":1315,"end_word":1680,"sentiment":"neutral","sentiment_score":0.07584042767765092},{"text":"Awesome. And, And look, my job is pretty simple. It's get you to the retirement goal as smoothly as possible with the best chance possible in yeah. a way that's comfortable for you.","start_word":1681,"end_word":1713,"sentiment":"positive","sentiment_score":0.5585882067680359},{"text":"You're Yep. not taking excessive risk just because we wanna get you a higher return when it's not comfortable for you Yep. or the Appreciate style it. of investments. No. Otherwise yeah.","start_word":1714,"end_word":1745,"sentiment":"neutral","sentiment_score":-0.046744107734411955},{"text":"I'm happy, mate. From outperforming the other two where I was, then it's Yep. worth being there. So we can Cool.","start_word":1746,"end_word":1766,"sentiment":"positive","sentiment_score":0.45313504338264465},{"text":"ask.","start_word":1767,"end_word":1767,"sentiment":"neutral","sentiment_score":0.18587058782577515},{"text":"At the moment, the portfolio you're in, it pretty much hits all the marks for the things that we're considering market wise.","start_word":1768,"end_word":1789,"sentiment":"positive","sentiment_score":0.3505483567714691},{"text":"Yep. There is a few things coming down the line that we're keeping an eye on, which is Yep. why I'm kind of thinking of that restructure in twelve months' time, which Mhmm. may get us a few switches a little bit Yep. quicker for you.","start_word":1790,"end_word":1835,"sentiment":"neutral","sentiment_score":0.05751891061663627},{"text":"Oh, sounds fantastic.","start_word":1836,"end_word":1838,"sentiment":"positive","sentiment_score":0.4923973083496094},{"text":"Outside of that, can I just quickly check-in terms of circumstances? You're still earning about a $100, same Yeah. employer. About that. Yep. Yep. Yep. Three children, Amanda, Yep. Yep. family changes, No. Home, car, caravan. Identical.","start_word":1839,"end_word":1875,"sentiment":"neutral","sentiment_score":0.04123572260141373},{"text":"Fantastic.","start_word":1876,"end_word":1876,"sentiment":"positive","sentiment_score":0.4762210547924042},{"text":"And did you actually put a will in place? It says that we had a note that you did. Probably. Well, I should have had a wheel. I probably should have had a wheel review. I've had a wheel since 2014 when I lost 20 my son. 40. Yep. Okay. So that's still there, but it might need a bit of an update. Yeah. I've already updated it once, but I probably haven't updated it since I moved, which was, like, nearly two years ago thirteen months K. ago. It's the only thing I've gotta change. I've made everything still the same. It's just gonna change address that I own. Other than that, everything else in the world is the same. I Perfect. don't know. It goes to Amanda. Everything yeah. It doesn't none of that changes. So Only other question I have for you on that just quickly is, do you remember if you put in place a power of attorney? So if you're in hospital, you can't ask. Amanda can talk to the doctors, Yeah. access As the far bank as accounts. I know as far as I know, we've already done that with the wheel. Yep.","start_word":1877,"end_word":2075,"sentiment":"neutral","sentiment_score":-0.0011572173876154364},{"text":"Perfect.","start_word":2076,"end_word":2076,"sentiment":"positive","sentiment_score":0.5524330139160156},{"text":"Alright. I'll have to I'll have to double check that with my solicitor.","start_word":2077,"end_word":2089,"sentiment":"neutral","sentiment_score":0.19517555832862857},{"text":"Awesome. The insurance policy that got kind of cleaned up, so a mill of life and disability insurance.","start_word":2090,"end_word":2107,"sentiment":"positive","sentiment_score":0.37867435812950134},{"text":"You've got your Yep. income protection, which obviously your income hasn't changed. Yep. Thirty day waiting period, five year benefit. If you have any issues, please just give us a buzz, and we can help you through the claims documents, make it a bit Yep. easier for you. Yep. It's under 2 grands once the 15% rebate comes off of it. Basically, if you're happy that your circumstances haven't changed, I'll keep an eye on it. If the prices start skyrocketing, we can shop Yep. around, trim it down, whatever you need. Yep. No. I'm happy with all that. That still sounds good still. Still Perfect. still The still only thing working. can I send you a bit of an updated beneficiary form to get Yep. Amanda listed on the super? Mhmm. Yep. Perfect. Email You to me. I'll got get the it signed how today. to do I'm back to you today. Yep. Well, are you okay to print it out, or would you want me to post it to you? No. I'll just print it out now. Yeah. Just send me an Sensational. email. I'll get it printed printed while I'm at work. I'll get it assigned it. I'll go witness here so I can get it all done today.","start_word":2108,"end_word":2319,"sentiment":"neutral","sentiment_score":0.1249174177646637},{"text":"Easy done.","start_word":2320,"end_word":2321,"sentiment":"positive","sentiment_score":0.3621971607208252},{"text":"Mate, any questions for me so far? Not not AG. Alright. I'll leave that Odoo sign pack with you. Again, fees Yep. are the same, 1.6 Yep. 5%. Happy at Yep. 600,000 happy Perfect. days. Outside of Nope. that, I'll send that beneficiary forms through to you today as well in a separate Oh, email.","start_word":2322,"end_word":2376,"sentiment":"neutral","sentiment_score":0.125528792088682},{"text":"sounds great. Thanks, man. Awesome. So Catch you in a little bit.","start_word":2377,"end_word":2388,"sentiment":"positive","sentiment_score":0.7380788922309875},{"text":"yeah.","start_word":2389,"end_word":2389,"sentiment":"neutral","sentiment_score":0.3036647439002991},{"text":"Bye. Thank you. Bye.","start_word":2390,"end_word":2393,"sentiment":"positive","sentiment_score":0.484960675239563}],"average":{"sentiment":"neutral","sentiment_score":0.11480617915191024}}}}